What is left
each month?

Use the money that actually reaches your household and the costs you actually pay.

Include spending once. Include irregular costs as monthly averages. Mortgage payments here are a cash outflow, including any principal repayment.

Monthly cash flow

Your household

Enter your figures to see the monthly surplus or shortfall.

Income rank and financial slack

Your place in an income distribution cannot tell us what remains after the bills. Enter your actual net figures to explore that question. A positive balance is unallocated cash after the items you included; a negative balance is a shortfall.

This simple budget does not value pension benefits, distinguish saving from investment returns, or calculate eligibility for benefits. It also does not treat paying down a mortgage as lost wealth.

Why there is no household percentile here

A reliable personalised rank needs household quantiles that match the same income definition. The available data do not support that calculation, so this tool sticks to the monthly figures you enter. See the methodology.

Help us see what gets used?

With your permission, we count page views and actions such as using a calculator or copying a result. These counts contain no income amounts, names or visitor identifiers.

Your choice is saved in this browser. Hosting access logs are separate. Read the privacy details.