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Try our personal finance calulators

Getting to grips with your finances starts with an understanding of your income and expenditure. Understanding your income after tax is key to prudent financial management.

Simply fill in the fields in either of the below calculators to get an immediate view of your current personal cashflow, and income tax position. 

How to use our income & expenditure calculator

To use our comprehensive income and expenditure calculator, simply fill in the form below including all of the required details.

Once completed, your results will be presented to you.

Income

Take Home Pay (£)

Pension (£)

Interest/Investment income (£)

Benefits (£)

Child maintenance (£)

Other (£)

Total Income (Monthly) (£)

Expenditure - Household

Food Shopping (£)

Mortgage/Rent (£)

Council tax (£)

Electricity/Gas/Water (£)

Phone/Mobile/Internet (£)

Other (£)

Total on Household (Monthly) (£)

Expenditure - Savings and Debts

Loan/Credit card repayments (£)

Pension (£)

Savings/Investments (£)

Life/Other insurance (£)

Other (£)

Total on Savings & Debts (Monthly) (£)

Expenditure - Leisure

Going out (£)

Alcohol/Cigarettes (£)

TV licence/Satellite etc (£)

Holidays (£)

Other (£)

Total on Leisure (Monthly) (£)

Expenditure - Children

Childcare (£)

Child maintenance (£)

Other(£)

Total on Children (Monthly) (£)

Expenditure - Travel

Bus/Rail Costs (£)

Car (fuel, insurance etc) (£)

Other (£)

Total on Travel (Monthly) (£)

Monthly Breakdown

This is a simple calculator to assist you in assessing your income and expenditure which only uses the information you input.

How to use our income tax calculator

To use our income tax calculator, simply fill in the form below including all of the required details.

Once completed, your results will be presented to you.

Earnings (£)

Married Couples Allowance*

Blind Persons Allowance

Your Results

*Married Couples Allowance only applies to persons born before April 6th, 1935. This is a generic calculation that does not take into account the individuals circumstances, it should not therefore be relied on.

The Financial Conduct Authority does not regulate some forms of tax planning and we act as introducers for this service

Rates and allowances used in this calculator relate to the 2023/24 Tax Year.

Related services & articles

If you would like to know more about how we help people set financial goals, and plan for the future they desire, please find below some links to to related services:

If you would like to learn more about the topic of financial planning, here are some links to a selection of our informative articles:

Please see a selection of recent reviews and testimonials our financial advisers have received

5/5
My adviser is very easy to get on with, entirely reliable, friendly, seriously knowledgeable and helpful, often going the extra mile and taking as much time as I need.
BR - Gillingham
5/5
Very clear and helpful. My adviser did not try to sell me anything I did not want and got straight to the point. Very clear about charges and offered great advice. I could not have asked for a better service.
GF - Richmond
5/5
I am very happy with the service Sterling & Law provides. If I have any problems or questions my adviser responds rapidly and always explains things I am not familiar with.
FP - Hertfordshire

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