UK Monthly Budget Planner (Free Tool)
Free UK Monthly Budget Planner for NHS, Teachers & Trades
This Free UK Budget Planner 2025 is designed for everyone β from NHS employees, teachers, and tradespeople to students, families and households.
Enter your income and expenses to instantly see:
- β Your total monthly spending
- β Your remaining disposable income
- β Overspending alerts & budgeting suggestions
- β Breakdown of rent, bills, groceries, travel, subscriptions and more
This tool works perfectly with our Take-Home Pay Calculator to help you plan smarter financial decisions.
Frequently Asked Questions
Is this budget planner suitable for NHS workers?
Yes. Many NHS workers use this budget tool to manage irregular hours, shift pay, and monthly expenses.
Can teachers use this tool to plan school-year finances?
Absolutely. This planner helps teachers manage income across holidays and term-time spending.
Does this work for tradespeople or self-employed workers?
Yes, trades such as electricians, plumbers, drivers and freelancers can easily track variable monthly expenses.
How do I build a monthly UK household budget?
Start by adding your take-home pay, then enter main expenses: rent, bills, groceries, transport and personal spending.
What is a good monthly budget breakdown in the UK?
On average: 30β40% rent/mortgage, 10% bills, 10β15% food, 5β10% transport, and 10% savings.
Does this include tax calculations?
No β use our Take-Home Pay Calculator to work out your exact after-tax income before planning your monthly budget.