# Budget calculator: what's left after my bills? | ComputeNow

URL: https://computenow.co.uk/budget-calculator/

> Find out what's left at the end of the month. Split your take-home pay into needs, wants and savings with 50/30/20 or your own split.

This calculator shows a worked example below. To use your own figures, add them to the URL as query parameters (listed in https://computenow.co.uk/llms.txt), for example https://computenow.co.uk/budget-calculator/?<parameter>=<value>.

[What's Left, step 7 of 7: What's left each month?](https://computenow.co.uk/money-plan/#steps)

# Budget calculator

Split your take-home pay into needs, wants and savings with the 50/30/20 rule.
Rates checked 18 October 2026
By the ComputeNow team, checked against GOV.UK and HMRC[Sources (1)](#sources)[How we calculate](https://computenow.co.uk/methodology/)

You could save
£478.66
a month, leaving £1,196.65 for needs and £717.99 for wants.

Your £2,393.30

- Needs £1,196.65 (50%)
- Wants £717.99 (30%)
- Savings £478.66 (20%)

## Your budget

| Item | Month |
| --- | --- |
| Needs (50%): rent, bills, food, transport | £1,196.65 |
| Wants (30%): eating out, hobbies, holidays | £717.99 |
| Savings and debt (20%) | £478.66 |
| Take-home pay | £2,393.30 |

This is an estimate, not financial advice.

### Next steps

- [Savings calculator](https://computenow.co.uk/savings-calculator/?monthly=478.66&start=0)See what £478.66 a month grows to.
- [Debt payoff calculator](https://computenow.co.uk/debt-payoff-calculator/?budget=478.66)Or put it towards your debts, highest rate first.
- [What's Left](https://computenow.co.uk/money-plan/)Add your real costs from each calculator to see what is left each month.
[What's Left](https://computenow.co.uk/money-plan/) adds up your monthly figures from each calculator and shows what is left each month.
[You could save £478.66 Breakdown](#result)

## If money's tight, free help is available

It's confidential, it costs nothing and getting advice won't affect your credit score. These services help people every day with bills, borrowing and debts of any size:

- [MoneyHelper](https://www.moneyhelper.org.uk/en/money-troubles) backed by the government, with a free debt advice locator
- [Citizens Advice](https://www.citizensadvice.org.uk/debt-and-money/) online, by phone or in person near you
- [StepChange](https://www.stepchange.org/) debt charity, online advice any time
- [National Debtline](https://nationaldebtline.org/) free phone and webchat advice

## How the 50/30/20 rule works

Half of your take-home pay covers essentials, 30% covers the things you enjoy, and 20% goes to savings or paying off debt.
If your rent is high, a 60/20/20 split is often more realistic. Not sure of your take-home pay? Work it out with our [take-home pay calculator](https://computenow.co.uk/take-home-pay/).

## Related calculators

[Take-home pay calculator Your pay after Income Tax and NI](https://computenow.co.uk/take-home-pay/)[Savings goal calculator How much to save each month](https://computenow.co.uk/savings-goal-calculator/)[Debt payoff calculator Snowball vs avalanche](https://computenow.co.uk/debt-payoff-calculator/)

## Guides and help

### Official services and free advice

[Citizens Advice: debt and money Free, independent advice](https://www.citizensadvice.org.uk/debt-and-money/)[StepChange Free debt advice charity](https://www.stepchange.org/)[Options for paying off your debts GOV.UK: plans, breathing space and more](https://www.gov.uk/options-for-paying-off-your-debts)

## Sources

Each source was last checked on 18 October 2026.

- [GOV.UK: Rates and thresholds for employers 2026 to 2027](https://www.gov.uk/guidance/rates-and-thresholds-for-employers-2026-to-2027)
These results are an estimate, not financial advice. They use the 2026/27 rates in force on 24 October 2026 and the inputs shown, so your actual tax, pay or costs may differ. Before making a decision about your money, check the figures with HMRC or your provider, or speak to a regulated financial adviser. Free, impartial guidance is available from MoneyHelper.
This page explains the rules using the 2026/27 rates in force on 24 October 2026. It is general information, not financial advice. For decisions about your own money, speak to a regulated financial adviser, or get free, impartial guidance from MoneyHelper.