PublicHelp.co.uk
Calculators
Household calculators
Choose one of 44 planning tools. Each calculator runs locally in your browser and explains its assumptions. These are not official benefit or eligibility calculators.
Budget
Monthly household budget
Monthly disposable balance.
Open calculatorWeekly to monthly
Convert recurring weekly expenses to monthly.
Open calculatorAnnual household costs
Add recurring monthly costs and annual one-off costs.
Open calculatorSplit a household bill
Divide an amount among a chosen number of people.
Open calculatorMonthly provision for annual bills
Set aside a monthly amount for bills that are payable once a year.
Open calculatorBenefits & household income planner
Combine income and known benefit payments, then deduct monthly spending. No eligibility assessment.
Open calculatorEmergency cash shortfall
Find the cash shortfall for immediate essential costs after available funds and confirmed assistance.
Open calculatorBroadband social tariff savings
Annual savings from a known social broadband tariff compared with your existing monthly bill.
Open calculatorIncome
Hourly pay to monthly
Gross monthly pay before deductions.
Open calculatorAnnual to monthly income
Gross annual pay divided by 12.
Open calculatorWeekly wage to annual
Convert take-home weekly income to an annual estimate.
Open calculatorTake-home monthly to annual
Multiply take-home income by 12; not a tax calculator.
Open calculatorUniversal Credit payment budget
Plan a month using your actual or notified UC payment; does not estimate Universal Credit entitlement.
Open calculatorRetirement income budget
Monthly difference between expected pension income and retirement spending, based on entered estimates.
Open calculatorReturn-to-work budget impact
Monthly change in disposable income after wages, lost support and additional work costs.
Open calculatorHousing
Rent affordability ratio
Monthly rent relative to take-home income.
Open calculatorMortgage repayment estimate
Illustrative repayment for a fixed rate, excluding fees and insurance.
Open calculatorHome deposit percentage
Deposit as a proportion of property price.
Open calculatorCouncil Tax monthly budget
Spread your known annual bill across a chosen number of instalments.
Open calculatorWeekly rent to monthly
Multiply weekly rent by 52/12.
Open calculatorCouncil Tax discount planner
Illustrative annual saving from a percentage discount entered from a confirmed bill.
Open calculatorWater bill reduction planner
Annual saving from a quoted reduced water bill or tariff.
Open calculatorHome adaptation funding gap
Budget for home adaptations after grants and funds already confirmed.
Open calculatorEnergy
Energy cost estimator
Unit prices and standing charge entered from your bill.
Open calculatorMeter usage difference
Calculate consumption from two meter readings.
Open calculatorEnergy tariff comparison
Estimated monthly saving when switching tariffs using your own consumption and prices.
Open calculatorSavings
Emergency fund target
Choose your own number of months of essential spending.
Open calculatorMonths to savings target
Ignores investment returns and inflation.
Open calculatorSimple annual savings interest
Simple interest only, before tax and fees.
Open calculatorMonthly saving contribution target
Monthly amount to set aside for a goal; no interest assumed.
Open calculatorFuture cost with inflation
What today’s cost could become at your chosen annual inflation assumption.
Open calculatorDebt
Debt payoff time (no interest)
Simplified debt payoff with no further interest or fees.
Open calculatorFixed-rate loan payment
Illustrative repayment excluding charges, insurance and changes in rate.
Open calculatorCredit card repayment estimate
Assumes fixed monthly payment and constant annual rate; excludes fees.
Open calculatorMonthly interest illustration
Approximate monthly interest on a balance at a specified annual rate; not a repayment quote.
Open calculatorDebt repayment strategy
Estimated months to repay a fixed-rate debt at a constant payment; ignores fees and additional borrowing.
Open calculatorTravel
Fuel cost for a journey
Uses your vehicle efficiency and local pump price.
Open calculatorAccessible transport cost comparison
Monthly saving from choosing between two known accessible travel arrangements.
Open calculatorFamily
Net childcare cost
Illustrative out-of-pocket cost after financial contributions entered by you.
Open calculatorFood spending per person
Monthly food budget per household member.
Open calculatorChildcare support comparison
Compare two user-entered childcare support offers: positive result is the monthly saving from the better option.
Open calculatorSchool essentials budget
Annual expected cost of uniforms, meals, transport and materials after confirmed support.
Open calculatorCarer household budget
Budget planner for households with caring-related spending and confirmed help.
Open calculatorFuneral expenses funding gap
Estimate the amount of a quoted funeral cost not covered by funds and confirmed assistance.
Open calculatorThese tools are indicative. For benefit-entitlement estimates, consult the benefits calculator services listed by GOV.UK.