This is a monthly budget estimate, not a statutory-pay or entitlement calculator. Use expected take-home pay after deductions, confirmed with payroll where possible. Published statutory rates can be gross.
Enter your expected take-home pay and spending, then calculate.
Weekly pay is allocated across seven calendar days. Monthly pay is allocated across the actual days in each calendar month. The result is rounded per phase/month, not based on bank payment dates. Actual pay dates can cause an earlier shortfall within a month. No statutory eligibility, tax, NI, pension effects, benefits, interest or inflation are calculated.
Your entries are calculated in this browser. They are not saved or sent to us. Print or download a local copy if you want to keep them; leaving or resetting the page clears the plan.
Plan your next step
Read the parental-leave budgeting guide · Explore official childcare-support routes · Keep an emergency reserve separate
If the plan shows a shortfall, review the dates, confirmed pay and costs before relying on it. If essential bills are already unaffordable, use our urgent bills and debt-help guide.
Calculation method and official guidance reviewed: 27 October 2026.