Household money calculators
Calculators for running the household budget. Turn weekly, quarterly and yearly bills into one monthly figure, plan a Christmas budget with a weekly or monthly savings target, see how much the government adds to your childcare costs through Tax-Free Childcare (£2 for every £8 you pay in), and check whether you will pay back any Child Benefit through the High Income Child Benefit Charge. The guides below explain the rules in plain English.
- Bills monthly cost calculatorTurn weekly, quarterly and annual bills into one monthly figure.
- Christmas budget calculatorGift budgets per person, food, cards and postage, travel and decorations, and how much to save each week or month before Christmas.
- Tax-Free Childcare calculatorWhat you pay in vs the government's 20% top-up for each child, the £500 3-month cap and an eligibility check.
- Child Benefit charge calculatorHow much Child Benefit you pay back between £60,000 and £80,000, and the pension or Gift Aid that would bring you under.
Related guides
- Household bills & budget guideHow to list mixed-frequency bills, convert them to monthly, and stay ahead of renewals.
- Tax-Free Childcare guideThe £2-for-every-£8 top-up, the £500 every 3 months limit, earnings and £100,000 rules, with worked examples.
- Child Benefit charge guideWhat counts as adjusted net income, the £60,000 to £80,000 taper with examples, and whether to opt out.
Want it all in a spreadsheet?
Straight Sums makes simple Excel and Google Sheets templates for UK side hustles, the self-employed and household budgets.
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