Budgeting Tool
Track your spending and compare to UK averages.
Budgeting Tool
Calculate your monthly spending, compare to UK averages, and find where you could save money.
20 categories covered • Takes 5 minutes • Your data stays on your device
UK Budget Tracker
Track spending & compare to UK averages
Free UK Household Budget Planner
Calculate your monthly spending, compare to UK averages, and find where you could save money
Takes about 5 minutes. No signup required. Your data stays on your device.
Why Use a Budget Planner?
Understanding where your money goes is the first step to taking control of your finances. Our free budget calculator helps you:
- Track all your spending across 20 categories from housing to holidays
- Compare to UK averages using data from Nimblefins and ONS statistics
- Identify overspending and get personalised tips to reduce costs
- See your full financial picture with clear charts and breakdowns
What Does the Average UK Household Spend?
According to the latest data, the average UK household spends £2,870 per month (£662 per week). However, this varies significantly based on your housing situation:
UK Spending by Category
Here's how the average UK household budget breaks down each month:
Ready to See Where Your Money Goes?
Our budget planner takes about 5 minutes to complete. Enter your income and expenses across each category, and we'll show you exactly how you compare to UK averages - plus tips on where you could cut back.
Frequently Asked Questions
Is this budget planner really free?
Yes, completely free. No signup, no email required, no hidden costs. We're Scrimpr - we help people save money, not spend it.
Is my financial data safe?
Your data never leaves your device. Everything is stored locally in your browser using localStorage. We don't send your financial information anywhere - we can't even see it.
Where does the UK average data come from?
We use data from Nimblefins, which compiles statistics from the Office for National Statistics (ONS) Family Spending survey.
Can I save my budget and come back later?
Yes! Your budget automatically saves to your browser. When you return to this page, your previous entries will still be there (unless you've cleared your browser data).
How accurate are the UK averages?
The averages are based on real spending data from thousands of UK households. However, averages can be skewed by high earners. Use them as a rough benchmark rather than a strict target.
What if I don't know my exact spending?
Estimates are fine! Check your bank statements or banking app for the last few months to get a realistic picture. You can always come back and update your figures.
Let's Start With Your Situation
This helps us compare you to the right UK averages.
Your Monthly Income
Enter your take-home pay (after tax) and any other regular income.
Housing & Household Bills
Your home costs - the biggest expense for most households.
Everyday Living Costs
Food, transport, phone bills - the essentials.
Lifestyle & Leisure
The fun stuff - entertainment, eating out, hobbies.
Financial Commitments & Other
Insurance, savings, loans, and anything else.