Money in
Money out What's left?
Household Flow turns your pay into real take-home, sets it against your bills, and shows what is left each month. Then it stress-tests the month: what if housing costs rise, prices go up, pay falls or an income stops?
Your numbers stay on your device. Nothing you type into the tool is uploaded.
What is left each month after tax and bills, and what happens if the month gets harder?
Salary is quoted before tax and bills are quoted monthly. Putting them on 1 scale, then asking what happens if housing, prices or pay change, is the hard part.
Change the salary and the bills to see what is left. The stress tests are in the full tool: housing up, prices up, pay down or an income lost. Rules for 2026/27. Nothing you move here leaves your device.
What you get
Take-home, worked out
Put in pay and pension. The tool works out tax, National Insurance, student loan and Child Benefit for you, so you start from the real figure.
What is left each month
Set it against your rent or mortgage, bills, food, childcare and debts, and see what is left after the month.
Where the month goes
A clear split of every pound across your costs, with must-pay costs shown apart from flexible ones.
A stress test
See the month if housing costs rise, prices go up 10%, pay falls or an income stops, all in 1 table.
Build your own scenario
Slide the changes yourself and see the effect on the month straight away, including how long your savings would cover a gap.
The working, explained
See the working behind each figure, what share of every £1 each cost takes, how many months your savings cover, and the rules and dates that matter.
Mortgage and debt sums
See what a mortgage rate change does to the monthly payment, and how long a debt takes to clear at different payments.
How low can pay go?
See the point where your must-pay costs stop being covered, as a share of your pay today.
See inside
Screenshots use example figures. You enter your own.
Who it is for
Households in England, Wales and Northern Ireland, with 1 or 2 incomes from employment, with or without children. It covers pay, workplace pensions, student loans and Child Benefit, and your own monthly costs.
Not for Scottish taxpayers. Not covered: self-employment, rental or savings income, Universal Credit and other benefits, sick or redundancy pay, employer pension contributions and free childcare. The stress test shows what the sums do when something changes. It is not a forecast and does not say what to do.
How accurate is it? It uses the UK tax rules published up to the date shown in the tool, checked against official sources and separate calculations. No calculator is 100% accurate, rules can change at a Budget, and results depend on the figures you enter. It is general information, not advice.
Reviews
Reviews are from verified purchases of the tool.
Get access
Your access covers the tax year you buy in, up to 5 April, using that year’s rules, including any Budget updates. When it ends, buy again for the next tax year to get the whole year with the new rules applied. Your numbers stay on your device, so save a backup file before access ends. Immediate access after payment.
Coming soon. This tool is not on sale yet.
Buy nowAfter you buy, you are emailed a licence key. Come back, sign in with your email, and paste the key in once to unlock your pass.
UK customers only. By paying you ask for immediate access and understand you lose your 14-day right to cancel once access begins. See the terms and refund policy. Already paid? Sign in.