Teacher Budget Planner

See exactly where your monthly pay goes, how much you have left, and what changes if your income or spending shifts.

Build your monthly picture

Enter your household income, fixed costs, lifestyle spending and savings. Your results update instantly as you type.

This planner is especially useful for comparing changes in hours, pay progression, leadership moves, TLR changes or other income changes.

Prefer an offline version?

Use the Excel version if you want to keep a longer-term personal budget outside the site.

Download from TES
1

Household Income

Start with monthly take-home income.
£
Your take-home pay. Calculate your current net pay here.
£
Optional.
£
£
2

Essentials & Fixed Costs

Housing, bills, transport and debt commitments.
£
£
£
£
£
£
£
£
£
3

Lifestyle & Living

Flexible spending that is easier to adjust.
£
£
£
£
£
£
£
4

Savings & Future You

What you deliberately keep rather than spend.
£
Monthly Snapshot
Income
£0.00
Outgoings
£0.00
Savings rate
0%
Essential costs
0%
Annual surplus / deficit
£0.00
Now test the decisions that could change your budget

Your monthly position may change with pay progression, reduced hours, dropping a TLR, leaving teaching, redundancy or retirement planning.

Check take-home pay Compare future pay Leaving teaching tools Model redundancy Check pension impact

Support TeacherPayCalculator

If this website helped you understand your pay or pension, you can support future development and hosting with a one-off Ko-fi donation. The tools here take a huge amount of time and effort to build and maintain – all on top of our teaching jobs! No personal data is ever stored. Made for teachers, by teachers.

If this website helped you, you can support future development and hosting with a one-off Ko-fi donation. Made for teachers, by teachers.