Disposable Income Calculator UK 2026/27

What is disposable income, really?

Strictly defined, disposable income is your gross income minus income tax, National Insurance, and any other mandatory deductions like pension and student loan. The Office for National Statistics uses this definition when it publishes household-disposable-income figures.

But in everyday use, most people mean something more practical: the money left after the bills are paid. That's the figure that actually matters for budgeting, saving, or deciding whether to take a holiday.

Most UK salary calculators stop at net take-home pay. yourtakehome adds the household-deductions step so you can see both numbers — the ONS definition AND the everyday "money left over" figure.

How the calculator works

Enter your salary. The calculator deducts 2026/27 income tax, National Insurance, pension, salary sacrifice, and student loan to give you net take-home pay.
Enter your typical monthly bills. Pre-filled rows for Mortgage / Rent, Council Tax, Utilities, Childcare, Subscriptions, Insurance, and Loan repayments — plus a button to add custom rows.
See your disposable income. The calculator subtracts the monthly bills from your monthly net pay to show what's left over.

Nothing is stored or sent to a server — everything runs in your browser. Refresh and the numbers are gone (use Print → Save as PDF if you want a copy).

What counts as a "household bill"?

The calculator's pre-filled deductions cover the categories most UK households face every month:

Mortgage / Rent — usually the largest single line
Council Tax — bands vary widely; check your council's published rate
Utilities — gas, electric, water, broadband, phone (bundled or itemised)
Childcare — nursery, after-school, holiday cover
Subscriptions — streaming services, gym membership, magazine subs
Insurance — home, contents, life, pet, car (if not in salary sacrifice)
Loan repayments — car finance, personal loans, credit-card minimums

What's left after these is your discretionary spending budget — eating out, holidays, savings, hobbies, anything else.

Quick wins to boost your disposable income

The fastest way to grow the "money left over" figure is to trim a recurring bill — a change you make once that pays back every month:

Mobile phone (£20–£40/mo → £5–£20/mo). A SIM-only plan on a budget network such as 1pMobile (EE network, 30-day rolling, no contract, keep your number) starts at £5/mo — often £150–£300/year back. Drop the new figure into your Utilities row to see the effect.
Streaming & subscriptions. Audit what you actually use; cancelling two or three forgotten subs is commonly £100+/year.
Insurance (home, car, pet). Shop around at renewal rather than auto-renewing — loyalty rarely pays, and switching can save 10–30%.

#ad — the 1pMobile link is an affiliate link; we may earn a small commission if you sign up. It doesn't affect your price, and it doesn't affect what we recommend.

FAQ

What's the average UK disposable income?

ONS reports median equivalised disposable household income (after housing costs) was around £25,000 per person in 2024. That figure adjusts for household size and is after tax + NI but before voluntary spending. The "money left over" figure varies enormously by region, household composition, and lifestyle.

Should I include savings as a deduction?

It depends on how you think about it. If your savings are non-negotiable (paying off debt, building emergency fund, regular pension top-ups), add them as a deduction — your "disposable income" then reflects truly free money. If savings are flexible, leave them out so your disposable figure shows the upper bound of what you could save.

Are pension contributions a household bill?

No — pension is already handled as a pre-tax (or post-tax) deduction in the calculator before the disposable-income step. Adding it as a household bill would double-count.

What about irregular expenses (car repairs, Christmas)?

A common approach: divide annual irregulars by 12 and add as a "sinking fund" row. e.g. £600/year of car repairs = £50/month. The calculator supports custom rows for exactly this.

Use the calculator

All of this works in your browser — nothing is sent to a server or stored anywhere. Open the calculator and try it.