Monthly Household Bills Calculator UK
Add every monthly bill and see the real number. Your monthly total, the yearly cost, what each person pays and how much of your income it all eats.
Always free, no signup or time limit. The optional 14-day trial is for saving and tracking your figures in the app.
Your monthly bills
Your biggest single monthly cost
Band-dependent, usually paid over 10 months
Combined energy bill
Metered or fixed rate
Including mobile contracts
Netflix, Disney+, Sky, TV licence
Home, contents, life, pet
Car finance, fuel, rail pass
Weekly shop, averaged monthly
Childcare, gym, subscriptions
Total monthly bills
£0
That's £0 a year.
Your total today. Your household sorted every month.
Keep these bills and spending allowances. Add due dates for reminders and check what's safe to spend without logging every shop.
14 days free, no card. Then £3/month solo or £5/month for your whole household, with separate logins and no per-person fees.
Your bills. Who pays what. What’s left.
Keep these figures in The Life Buddy. Bills repeat, food and transport stay set aside as monthly budgets, and you see what’s left without logging every shop.
14 days free, no card. Then £3/month solo or £5/month with separate household logins.
Working out your true cost of living
Most people underestimate their household bills, because the annual and quarterly ones hide. Car insurance, the TV licence, boiler cover and school trips do not show up in a normal month, so the monthly total looks lower than reality until one of them lands and wrecks the budget.
The fix is to convert everything to a monthly figure, even the yearly costs. Divide an annual bill by twelve and add it above. Do the same for anything quarterly by dividing by three. The number you end up with is what your home genuinely costs to run each month, and it's the only figure worth budgeting against.
Once you know the total, two questions follow: is it a fair share between the people living there, and what is safe to spend on everything else? The Fair Bill Splitter answers the first. The Life Buddy answers the second, every day, automatically.
Household bills questions
What counts as a household bill?
Household bills are the recurring costs of running your home: rent or mortgage, council tax, energy, water, broadband, insurance, the TV licence and any subscriptions tied to the house. Food and transport are living costs rather than bills, but most people budget them together, so this calculator includes them.
What is the average monthly household bill in the UK?
It varies hugely by region, property size and household size, so the only number that matters is your own. Add your real figures above and you get your true monthly and annual totals in seconds, rather than comparing yourself to a national average that may not reflect your postcode.
How much of my income should household bills take up?
A common guideline is keeping essentials, including housing, under about half of your take-home pay. Enter your monthly income above and the calculator shows what percentage your bills actually consume, plus what is left over for saving and spending.
How do I split these bills between people in the house?
Use the Fair Bill Splitter to divide your total either equally or proportionally by income, then keep it running month after month in The Life Buddy.