Give the month a plan
Monthly budget calculator
See what is left after bills, essentials and planned saving, with an honest weekly equivalent.
The useful answer
Enter monthly take-home income, committed bills, other essentials and planned savings or annual-cost pots. The calculator subtracts those amounts to show the remaining monthly budget and its average weekly equivalent. If costs exceed income, it shows the shortfall.
Try your numbers
No sign-up. Calculations stay in this page.
Left to plan with each month
£550.00About £126.92 per week, after the costs you entered.
Weekly figures use 12 months ÷ 52 weeks. The result is a planning estimate, not a live safe-to-spend balance. Account for payments still due before spending.
What to know
- Use monthly amounts throughout and avoid counting the same cost twice.
- Weekly equivalents use monthly × 12 ÷ 52.
- This is a plan from your inputs, not a live account balance or safe-to-spend guarantee.
Put each cost in one place.
Use take-home income after deductions. Put rent, household bills and required debt payments in the committed-cost field. Use the essentials field for food, necessary travel and similar costs not already included in bills.
The savings field includes contributions to known annual costs as well as other planned saving. If a yearly bill is already included as a monthly equivalent elsewhere, do not count it again.
How the monthly result works.
The remaining budget equals income minus bills, essentials and saving contributions. A positive number is the amount left for other spending in this plan. A negative number is a shortfall to address, not an amount available to borrow.
Why timing still matters.
A monthly calculation does not know which day your income arrives or your rent leaves. It also cannot know about a card payment, pending purchase or other commitment you have not entered. Check those dates before using the result for an immediate spending decision.
If income varies, make a cautious version of the plan and read the irregular-income guide. A best-case income number can make a budget look comfortable until a quieter month arrives.
Use the result to choose a next step.
If the amount is smaller than expected, check whether a cost was entered twice or something is unusually high. If it is larger, check for omitted annual bills, transport costs or required payments. The useful result is the one that resembles your life.
For persistent difficulty covering essentials or debts, MoneyHelper offers free guidance. In Lodo, a specific budget question can help you turn the plan into a conversation you can revisit.
Sources & further reading
Examples are illustrative unless stated otherwise.
- MoneyHelper: managing your money · Checked 7 September 2026
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