Free calculator
What's left after bills calculator
Short answer
To see what's left after bills, put your pay and every bill on the same monthly basis, add up the bills and take them away from your pay. Weekly pay times 52, divided by 12, gives a monthly figure. Divide each yearly bill by 12 to see what to set aside every month.
Example
Left after bills a month
£0
- Pay a month
- £0.00
- Bills a month
- £0.00
- Share of pay on bills
- –
- Set aside for yearly bills, each month
- £0.00
Everything you type stays in your browser. Nothing is saved or sent.
How the calculator works
- It turns your pay into a monthly figure: weekly pay times 52 divided by 12, every 2 weeks times 26 divided by 12, every 4 weeks times 13 divided by 12.
- It does the same for every bill: weekly bills times 52 divided by 12, yearly bills divided by 12.
- It adds up the bills and takes them away from your monthly pay.
- It shows the yearly bills on their own, divided by 12, as the amount to put aside each month.
A worked example
Example: you take home £1,950 a month. Your monthly bills are rent £650, council tax £120, gas and electric £85, phone £15 and broadband £27, and car insurance is £480 a year. That is £897 a month plus £40 a month for the insurance: £937. What's left after bills is £1,013.
Paid every 4 weeks or every 2 weeks
Pay that arrives every 4 weeks comes 13 times a year, and pay every 2 weeks comes 26 times. Some months get an extra payday, so the monthly figure here is an average across the year. Our guides explain how to line up your bills with paydays that move around.
Questions
How do I work out what's left after bills?
Turn your pay and every bill into a monthly figure, add up the bills and subtract them from your pay. What remains is what you have for food, travel, saving and everything else.
How do I turn weekly or fortnightly pay into a monthly figure?
Weekly pay times 52, divided by 12. Pay every 2 weeks times 26, divided by 12. Pay every 4 weeks times 13, divided by 12, because there are 13 four-week pay periods in a year.
Why does the calculator show money to set aside for yearly bills?
A bill you pay once a year still has to come out of your monthly pay. Dividing it by 12 tells you how much to put aside each month so the money is there when the bill is due.
How much of my pay should go on bills?
There is no single right figure, because rent and bills vary so much by place and household. Our guides explain the common rules of thumb and how to use them as a starting point.
Is anything I type saved?
No. The calculator runs in your browser. Nothing you type is saved or sent anywhere, and it is gone when you close the page.
Guides on pay and bills
- How Much of Your Pay Should Go on Bills? A UK Guide
- How Much of Your Paycheck Should Go to Bills?
- Paid Every Four Weeks? How to Plan Your Monthly Bills
- Paid Biweekly? How to Line Up Your Bills With Your Paychecks
More free tools: Split bills by income calculator