JNP Budget Planner: Calculate Your Monthly Budget and Disposable Income

The JNP Budget Planner helps you understand exactly how much you're spending each month and how much disposable income you have available, which is essential when saving for a house deposit, calculating how much rent you can afford, or preparing for a mortgage application.

Simply complete the sections that are relevant to your circumstances. To ensure the most accurate results, convert any annual, quarterly, or irregular expenses into monthly averages, as these all contribute to your overall household spending and affordability assessment.

If you're a first-time buyer or renting for the first time, please leave the current mortgage and rent fields blank.

Budget Calculator

Monthly income

Your monthly salary (£) *

Partner's monthly salary (£) *

Your other income (£) *

Partner's other income (£) *

Loans

Current mortgage (£) *

Current rent (£) *

Alimony (£) *

Credit / store cards (£) *

Maintenance for dependents (£) *

Other loans (eg HP and rental agreements) (£) *

Transport

Fuel (£) *

Vehicle tax (£) *

Car Insurance (£) *

Servicing (£) *

Parking (£) *

Travel fares (£) *

Other (£) *

Utility and other bills

Gas / heating (£) *

Electricity (£) *

Water (£) *

Home Insurance (£) *

Phone / broadband (£) *

Digital / cable TV (£) *

TV licence (£) *

Council tax (£) *

Ground rent (£) *

Service charge (£) *

Other (£) *

General living costs

Food and drink (£) *

Washing, toiletries, alcohol and tobacco (£) *

Clothing (£) *

Mobile phone (£) *

Furniture / appliances (£) *

Repairs / Contents Insurance (£) *

School fees / Childcare (£) *

Entertainment / recreation (£) *

Holidays (£) *

Other (£) *

Savings and investments

Pensions (£) *

Other savings and investments (£) *

Results

Monthly disposable income

Monthly total income

Monthly total expenditure

Your budget summary

Given a monthly income of £, Loans costs of £, Transport costs of £, Utility and other bills costs of £, General living costs costs of £, Savings and investments costs of £, your estimated monthly disposable income is £ per month.

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