Free interactive tool
Take control of your money with our free interactive budget planner. Enter your income and expenses to see exactly where your money goes, how you compare to the UK average, and where you could save.
Start PlanningA budget is the foundation of any financial plan. Without a clear view of where your money is going each month, it is almost impossible to spot which bills are eating into your savings or where small tweaks could make a real difference. Learning how to create a budget is one of the most useful money skills you can build, and a planner like the one below makes the process quick and easy.
Transport is the second biggest household expense in the UK, accounting for around 14 percent of monthly spending according to the Office for National Statistics. That makes the cost of running a car one of the largest single levers for changing your monthly outgoings. The Brumble budget planner gives transport its own detailed section so you can see exactly how car insurance, fuel, road tax, MOT, finance and parking add up - and where you could make savings.
Use the planner to see your full picture in seconds, compare yourself against UK averages, and share a clean snapshot with a partner or adviser. Everything happens in your browser, so your numbers never leave your device.
Enter your income and expenses below. Your summary, spending chart, and UK comparison will appear below the final section and update as you type. Nothing is stored on our servers.
Your budget data is encoded in the link and never stored on our servers.
Pick a profile to pre-fill the planner. Adjust every figure to match your situation.
These are approximate starting points based on UK averages. Adjust every figure to match your real situation.
Your estimated monthly student loan repayment
£0 /mo
Thresholds from HMRC for the 2026/27 tax year. Plans 1, 2, 4 and 5 repay 9 percent of income above the threshold. Postgraduate loans repay 6 percent.
Check your car's tax band free with our Tax and ULEZ Checker.
Check your MOT status free with our MOT History Checker.
Join thousands of UK drivers and households who receive Brumble updates, budgeting tips, and exclusive offers.
Free forever. Unsubscribe any time. We will never share your email.
UK households spend money in remarkably similar shapes once you zoom out. The Office for National Statistics tracks this through the Living Costs and Food Survey. Here is what an average household looks like.
£623
Average weekly household spend in the UK
ONS Family Spending, FYE 2024
27%
Of household spending goes on housing when mortgage interest and council tax are included
ONS
14%
Goes on transport, the second largest category
ONS
11%
Spent on food and non-alcoholic drinks
ONS
Source: ONS Family Spending in the UK, FYE 2024 (published September 2025).
A student budget looks different from a working budget. Income is usually a maintenance loan, sometimes topped up by a part-time job, a bursary, or family contributions. Costs are dominated by rent, food, transport, and a long tail of small subscriptions and social spending.
For 2025/26, full-time undergraduate maintenance loans in England range from around £4,915 a year (living at home) to £13,762 a year (living in London), with the standard rate around £10,544 outside London. Wales, Scotland, and Northern Ireland operate slightly different schemes. See the GOV.UK student finance guide for the current figures that apply to you.
The biggest single line in most student budgets is rent. After that come food, books, travel, and any subscriptions you keep going. The Brumble budget planner has every line you need, and the student loan repayment calculator above lets you preview what you will pay once you graduate and your income passes the relevant threshold.
If you drive at university, transport often becomes the second biggest category. Insurance is the largest single cost for most young drivers. Compare student car insurance via Brumble to find cover designed for younger drivers. Even small savings on annual premiums add up over a three or four year course.
Running a car is the second largest household expense for most UK households, and it is also the line item where it is easiest to overpay without realising. Here is what to put against each row in the Car and Transport section of the planner.
The biggest single bill for most drivers. UK averages sit around £600 a year for experienced drivers and well over £2,000 for under-25s. Compare quotes via Brumble at every renewal, and check whether telematics or black box cover would save you more.
Compare car insurance via Brumble →Most petrol and diesel cars cost £180 to £600 per year depending on emissions and age. Electric vehicles became taxable from April 2025 at the standard rate.
Free Tax and ULEZ Checker via Brumble →Highly variable. At 12,000 miles a year and 45 mpg, a typical car uses around 1,200 litres of petrol, or roughly £1,800 at current pump prices. Real-world figures depend on traffic, route, and driving style.
If you bought on PCP or HP, monthly repayments often run to £200 to £400. Compare deals before renewing or refinancing.
Compare car finance via Brumble →An annual MOT is capped at £54.85 for a Class 4 vehicle. A basic service usually runs £150 to £300. Use our free MOT history checker to plan ahead.
Free MOT History Checker via Brumble →Often forgotten. Permits, garage rental, breakdown cover, and the occasional train fare add up. Use the small line items in the planner to capture the full picture.
A budget is only useful if you act on it. These are the changes that move the largest numbers for most UK households.
The single biggest renewal-time saving for most drivers. Premiums change every year and auto-renewing rarely gives the best price. Compare via Brumble.
Tariffs and supplier offers shift constantly. Compare energy via Brumble to see the cheapest options for your usage.
Our free MOT and tax checkers help you plan ahead and avoid expensive surprises.
Move savings into a separate account on payday before you start spending. Even £50 a month adds up over the course of a year.
Use the planner to capture a realistic baseline. Once you know your actual numbers, deciding what to change is easy.
List every subscription in the planner and audit each one. Streaming, gym, apps, and software trials are the usual culprits.
A weekly limit is easier to stick to than a vague monthly target. Decide the figure in advance and let it shape your choices through the week.
Car insurance, broadband, mobile, and energy. A single afternoon comparing renewals can save hundreds of pounds in total.
Every tool on Brumble is free, with no sign-up required. Use them alongside your budget planner to keep on top of the big lines.
Check any vehicle's MOT history, expiry, advisories, and mileage with official DVSA data.
Check MOT →
See road tax band, ULEZ status, and emissions for any UK vehicle, free.
Check Tax →
Compare quotes from 130+ UK insurers in minutes via Brumble.
Compare →
See which energy supplier gives you the best deal for your usage.
Compare →
Get offers from 8,000+ verified dealers. Free to list.
Sell →
Compare deals across multiple lenders for your next vehicle.
Compare →
Brumble updates, budgeting tips, and exclusive offers. Unsubscribe any time.
Content produced by
Ryan is the founder of Brumble and has over a decade of experience in the UK motor finance and insurance industry. He created Brumble to make it easier for UK drivers to understand the insurance and finance world by cutting through the jargon.
Originally published: 10 June 2026 · Last updated: 10 June 2026
Common questions about budgeting, the planner tool, and the underlying data.
Shown in monthly amounts
| Total income | £0 /mo |
| Total expenses | £0 /mo |
| Balance | £0 /mo |
| Category | Amount | % of income |
|---|---|---|
| No expenses entered. | ||
| Category (% of income) | You | UK average |
|---|---|---|
| Housing | - | 27% |
| Transport | - | 14% |
| Food | - | 11% |
| Recreation | - | 12% |
| Bills | - | 4% |
Created with the free Brumble Budget Planner
brumble.co.uk/money/budget-planner
Brumble is a UK motor insurance, finance, and services comparison platform. Compare car insurance, van insurance, energy, and more at brumble.co.uk
UK averages from ONS Family Spending, FYE 2024 (published September 2025).
EV Zone