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What's Left

One number for what's left each month, after your home, car, debts, savings and pension. Each step is one calculator, and rough figures are fine. You can change any of them later.

7 questions, one answer

  1. What will I take home?

    Start with what lands in your account each month.

    Also: Salary after taxHourly wagePro-rata salaryOvertimeBonus taxTwo jobsNet to gross salaryCompare salariesCompare tax yearsIncome TaxTax code checkerStudent loanMaternity paySick payCapital Gains TaxVATCustoms charges on parcels

  2. What does my home cost each month?

    Your mortgage or rent is usually the biggest bill.

    Also: How much can I borrow?Stamp dutyRent vs buy (or add your rent)RemortgageOverpaying

  3. Can I afford my car?

    Add finance payments and tax for any car you run.

    Also: Vehicle taxCompany car taxEV salary sacrifice

  4. When will my debts be paid off?

    List each debt and see the date it hits zero.

    Also: Loan repaymentsCredit cardsDebt consolidation

  5. How much should I put aside?

    Set a goal and see what to save each month.

    Also: SavingsCompound interestInvestingInflation

  6. Will my pension be enough?

    Check your pension and State Pension against what you will need.

  7. What's left each month?

    See what is left for everything else, and split it with a budget.

    Also: Budget calculator

On each result, choose Add to What's Left. Adding again from the same calculator replaces the old figure.

Left each month

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Start with step 1. Once you add your take-home pay, What's Left fills in as you go.

Your plan is kept in this browser only. Nothing is sent to us, and clearing your browser data removes it. A guide to help you plan, not personal financial advice.

Guides and help

Our guides

How much does it cost to buy a home?Deposit, stamp duty, mortgage and the income you needHow big could your pension be?Pension pots by the age you start savingUK tax rates and thresholds 2026/27Every Income Tax, NI, student loan, savings, property and vehicle figure in one place

Official services and free advice

Check your Income Tax for this yearGOV.UK: your tax code and pay so farCheck your State Pension forecastGOV.UK: how much and whenCitizens Advice: debt and moneyFree, independent adviceStepChangeFree debt advice charity

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.