Christmas Budget Calculator
Gifts, food, decorations, travel and nights out all add up before you notice. Total this year's Christmas cost, then see exactly how much to set aside each month to cover it without reaching for the credit card.
Estimate only. This is a general budgeting guide, not financial advice. Figures are illustrative estimates based on the amounts you enter.
Spread over 11 months until December
| Category | Amount |
|---|---|
| Gifts | £0 |
| Food & drink | £150 |
| Decorations | £30 |
| Travel | £50 |
| Cards & wrapping | £25 |
| Nights out | £100 |
Ways to make Christmas cheaper
- Open a dedicated "Christmas" savings pot every January — spreading the cost across 11 months turns one big December squeeze into a small, painless monthly amount.
- Suggest Secret Santa for the adults in a family or friend group — one thoughtful gift each instead of everyone buying for everyone cuts the gift bill dramatically.
- Buy decorations, wrapping paper and next year's cards in the Boxing Day and New Year sales — they're often 50-75% off and you'll use them again next December.
- Write down every gift budget before you shop, not after — it's far easier to stick to a number you set in November than to claw back an overspend in January.
How this is worked out
We total your gift budget (either a named list per person or a single quick total) alongside food & drink, decorations, travel, cards & wrapping and nights out, to get your full Christmas cost. Dividing that total by the number of months left between your chosen start month and December gives the amount to save each month — rounded up so you're always covered, never a penny short.