Instructions for the calculator
Start by entering your monthly household income - your salary and any other benefits, and those of anyone else living with you.
Then use the sliders or enter your monthly outgoings in the boxes. If you're not certain of the exact number, have a guess. If you don't spend anything on certain bills, enter zero.
Your expenditure will be added together automatically, and taken away from your income to calculate your own personal Bill-Free Day.
Then you can set yourself a challenge to save money and celebrate an even earlier Bill-Free Day next year!