Estimate your monthly cost of living in the UK, including housing, bills, food, and lifestyle spending. Use this calculator to understand your real monthly budget and where your money goes.
Based on real UK cost data and updated for 2026.
Cost of Living Calculator UK
Your Results
Adjust your numbers to explore savings and different lifestyle choices.
Most UK households spend between £1,800–£3,000 per month depending on location and lifestyle.
How Do You Compare?
If your monthly costs are above £3,000, you may be spending more than the UK average — often due to housing or lifestyle choices.
What Does This Include?
Lifestyle spending (eating out, subscriptions)
Housing (rent or mortgage)
Energy bills (gas, electricity, water)
Food and groceries
Transport (fuel, public transport)
These are the core costs that make up the average UK cost of living.
Try our full range of tools on the UK Budget Calculators page.