Household Budget Planner
Work out your budget for your new home and understand what mortgage payment you can comfortably afford.
Select Your Region
Choose your region to see relevant ONS (Office for National Statistics) average spending figures for reference.
Regional averages will update based on your selection
The averages shown are from the Office for National Statistics Family Spending Survey (FYE 2022-2024). These are weekly averages converted to monthly equivalents.
Your Monthly Income
Enter your total monthly take-home pay (after tax and deductions).
Housing Costs
Enter your expected monthly housing-related expenses (excluding mortgage/rent).
Utilities
Enter your expected monthly utility bills.
Financial Commitments
Enter your existing monthly debt repayments and financial obligations.
Family & Living Expenses
Enter your expected monthly family and essential living costs.
Lifestyle & Transport
Enter your lifestyle expenses and transport costs.
Your Budget Summary
Here's your complete budget breakdown and available mortgage budget.
Monthly Outgoings Breakdown
Your Available Mortgage Budget
Please Note: This budget planner provides an estimate based on the figures you've entered. Your actual mortgage affordability will be assessed by lenders based on their specific criteria, including credit checks and stress testing. For personalised mortgage advice, please contact us.
ONS Data Source: Regional averages from Office for National Statistics Family Spending Survey (FYE 2022-2024).