1. Start with your monthly income
Write down the money you expect to receive each month after tax. If your income changes, use a cautious estimate and keep a small buffer where you can.
2. List your essential costs
Include housing, council tax, utilities, food, transport, childcare, debt payments and other regular commitments. Check bills and bank statements rather than relying on memory.
3. Separate needs, wants and savings
Once essential costs are covered, decide what is realistic for flexible spending and saving. A budget is a guide, not a reason to feel guilty if real life changes.
4. Review it regularly
Check the plan each week and adjust it when prices, income or priorities change. Even a simple list can help you spot costs you might otherwise miss.
Try the household budget calculator
Enter approximate monthly amounts to see the difference between your income and spending. This calculation runs locally in your browser.
This is a basic planning aid, not regulated financial advice.