Monthly Student Expense Calculator

Add up what comes in and what goes out each month to see what is left, per month and per week.

Money coming in each month

Your loan is paid termly, so divide each payment by the number of months it has to cover.

Maintenance loan or grant (£)

Part-time work (£)

Family support and other (£)

Money going out each month

Spread yearly or termly costs (travel passes, insurance, subscriptions) over the months.

Rent (£)

Bills (energy, water, broadband) (£)

Food and groceries (£)

Transport (£)

Phone (£)

Books and study costs (£)

Going out and social (£)

Everything else (£)

Nothing you type leaves your browser.

How to use it#

Enter everything as a monthly amount. Leave a line blank if it does not apply to you. The total updates as you type, and tells you how much you are short if you are spending more than you have coming in.

Do not forget the costs that arrive in lumps: a rail or bus pass, contents insurance, subscriptions, a term's worth of books. Divide each by the number of months it covers and put the result in the matching box.

Need typical figures?#

What university costs in 2026, itemised by city gives realistic rent and food numbers to start from.
Splitting bills in a student house helps you work out your share of the shared costs.
If the total comes out short, read about interest-free student overdrafts before borrowing.