Budget your after-tax monthly pay (2026/27)
Use your actual monthly take-home pay to explore a 50/30/20 budget allocation.
Enter your figures
2026/27 estimate for England, Wales or Northern Ireland. Check the scope and assumptions below.
- Monthly needs (50%)
- £1,250.00
- Monthly wants (30%)
- £750.00
- Monthly savings/debt overpayments (20%)
- £500.00
What this estimate includes
This is a budgeting illustration, not a legal requirement or personalised financial recommendation. It does not calculate tax: enter the amount actually available after payroll deductions. Your essential costs, debt obligations and goals may require different proportions.
Method and assumptions
The tool allocates 50% to needs, 30% to wants and 20% to savings or additional debt payments. Keep the same income basis when comparing percentages. A pension deducted from gross salary cannot simply be treated as the same percentage of net pay.
Read the related explanation and check the next steps.
Sources and review
AfterTaxUK Editorial Team · reviewed 22 October 2026. A review date is separate from live deployment. Check your own records and current official guidance for individual decisions.
Frequently Asked Questions
Clear answers based on official HMRC rules and statutory guidance.
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Visit Blog HubUse your actual take-home pay and spending
A budget or affordability illustration organises the figures you enter. It does not determine a lending decision or establish what housing, food or transport should cost in your area.
Use actual bills, debts, savings goals and household commitments. Percentage rules are optional planning frameworks, not a requirement or a prediction of future investment returns.
Check the rules for your circumstances
Official guidance supports the rules described here; it does not approve or certify this calculator. Confirm dates, eligibility and unsupported cases before making a financial decision.