UK Household Budget Tracker
Track your spending and compare it to UK averages to find savings opportunities
💡 About this tracker
Compare your household spending with UK averages from Nimblefins. Track your income and all expenses including mortgage/rent to see where you stand.
Select Your Housing Situation
🎯 Not Sure What to Do Next?
Once you've tracked your spending, use our Priority Wizard to figure out what to do with your money - emergency fund, debt, pension, or investing.
Once you've tracked your spending, use our Priority Wizard to figure out what to do with your money - emergency fund, debt, pension, or investing.
UK Average Household Spending (All Households)
Weekly Spending
£663
Typical UK household
Annual Spending
£34,474
52 weeks × average
Category Breakdown
🏠 Housing
£446/mo (16%)
🚗 Transport
£401/mo (14%)
🍕 Food & Drink
£324/mo (11%)
⚡ Utilities
£222/mo (8%)
🍽️ Restaurants & Hotels
£208/mo (7%)
🎮 Recreation & Culture
£171/mo (6%)
🏡 Household Goods
£164/mo (6%)
🏛️ Council Tax
£156/mo (5%)
✈️ Package Holidays
£141/mo (5%)
📱 Communications
£136/mo (5%)
🛡️ Insurance
£95/mo (3%)
👕 Clothing & Footwear
£75/mo (3%)
💄 Personal Care
£69/mo (2%)
💸 Money Transfers & Credit
£61/mo (2%)
🍺 Alcohol & Tobacco
£53/mo (2%)
🏥 Health
£36/mo (1%)
📦 Other
£37/mo (1%)
🎓 Education
£24/mo (1%)
🚦 Licences, Fines & Transfers
£19/mo (1%)
🏖️ Holiday Spending
£33/mo (1%)
Your Monthly Income
Add Expense
Your Summary
Monthly Income
£0
Monthly Expenses
£0
Left Over
£0
Your Expenses
📈 How do you compare?
Compare your spending to UK averages and see where you might be able to save.
Your Spending vs UK Average by Category
Total Monthly Spending
💡 Smart Savings
Based on your spending, here are targeted ways to save money in specific categories.
📱 Communications - Cheaper Mobile & Broadband
Potential Saving: £10-30/month
Switch to MVNO (budget) networks - same coverage, much lower prices:
- Smarty - From £5/month (uses Three network)
- Giffgaff - From £6/month (uses O2 network)
- iD Mobile - From £4/month (uses Three network)
- Voxi - From £10/month (uses Vodafone network)
- Lebara - From £5/month (uses Vodafone network)
Broadband: Check for social tariffs if on benefits (£10-20/month), or switch to TalkTalk/Now Broadband for budget options.
⚡ Utilities - Energy Saving Tips
Potential Saving: £20-50/month
- Compare energy suppliers - Use Uswitch, MoneySuperMarket, Compare the Market
- Smart meter - Track usage in real-time to identify waste
- Lower thermostat - Each degree = ~£80/year savings
- LED bulbs - £5-10/year savings per bulb
- Draught-proof - Windows & doors (~£60/year)
🍕 Food & Drink - Smart Shopping
Potential Saving: £50-100/month
- Shop at Aldi/Lidl - Save 20-30% vs big 4 supermarkets
- Yellow sticker hunting - 50-75% off near-expiry items
- Too Good To Go app - Restaurant/shop surplus for £3-4
- Meal planning - Reduces waste & impulse buys
- Own-brand products - Often same quality, 30-50% cheaper
- Cashback apps - TopCashback, Quidco for groceries
🚗 Transport - Reduce Costs
Potential Saving: £30-100/month
- Compare car insurance - Use comparison sites annually
- Increase excess - Lower premiums significantly
- Fuel apps - PetrolPrices finds cheapest nearby stations
- Railcard - 1/3 off train travel (16-25, 26-30, Two Together, Family)
- Cycle to work scheme - Save 25-39% on bikes through employer
- Car share - Split costs for commuting
🎮 Recreation & Culture - Cut Subscriptions
Potential Saving: £10-40/month
- Audit subscriptions - Cancel unused Netflix, Spotify, gym memberships
- Share accounts - Family plans for Spotify, YouTube Premium, etc.
- Annual billing - Often 2 months free vs monthly
- Free alternatives - BBC iPlayer, YouTube, local library for books/films
- Gym alternatives - NHS Couch to 5K, YouTube workouts, parkrun (free)
🍽️ Restaurants & Hotels - Eat Out for Less
Potential Saving: £30-80/month
- Tastecard/Gourmet Society - 2-for-1 or 50% off restaurants
- MEERKAT Meals - 2-for-1 Tuesdays & Wednesdays with Compare the Market
- Lunch specials - Same meal, half the price vs dinner
- Booking.com Genius - 10-15% off hotels after a few bookings
🏡 General Money-Saving Resources
- MoneySavingExpert - Martin Lewis's comprehensive guides
- Scrimpr - UK money-saving comparison tools
- HotUKDeals - Community-shared bargains & offers
- LatestDeals - Daily deals aggregator
- r/UKPersonalFinance - Reddit community for advice
Spending Over Time
Monthly Snapshots
Save your current budget as a snapshot to track changes over time.