keel guides
Money guides for UK households
Clear, sourced explainers on what UK household life actually costs, and how to make sense of your money. Educational, not advice.
Average monthly bills in the UK: a 2026 breakdown
Average UK monthly bills run about £470 to £490 excluding rent and food (council tax, energy, water, broadband, TV, insurance). See the 2026 breakdown by household size.
How much rent can you afford? The UK rules explained
How much rent can you afford in the UK? The rule of thumb is 30% of gross income, or 35 to 45% of take-home pay. See what that means by salary, and what is left over.
Cost to run a house in the UK: a full monthly breakdown
What it typically costs to run a home in the UK each month, for owners and renters, including maintenance. Verified 2026 figures from ONS, Ofgem, gov.uk and the ABI.
How much should you have in an emergency fund? (UK)
The UK rule of thumb is 3 to 6 months of essential outgoings. Here is what that means in pounds by household, what counts as essential, and where to keep it. 2026 figures.
Moneyhub alternative: the honest option for households
Moneyhub is closing its consumer app on 31 July 2026. Here is what's happening, how to move your data, and why keel is a strong alternative for UK households that want to understand and control their everyday spending.