Tidy Life ToolsChristmas money hub 2026
Everything on Tidy Life Tools for a calmer, debt-free Christmas, in one place. Start with your total, split it into gifts, food and hosting, check any deal before you buy, then plan for January. All the calculators are free, with no sign-up.
Figures checked against GOV.UK on 4 October 2026.
Christmas Day 2026 is Friday 25 December.
Countdown worked out from today's date on your device.
1. Set your total
- Christmas budget calculator 2026: add up gifts, food, travel and extras, then see how much to put aside each week until Christmas.
- Christmas budget guide (UK, 2026): how to set a number you can afford and stick to it.
- Free Christmas budget checklist (PDF): print it, no email needed.
2. Split it up
- Gift budget per person: share your gift money fairly across everyone on your list.
- Christmas gifts under £10: secret Santa and stocking filler ideas (affiliate links).
- Food budget per head: Christmas dinner, Boxing Day and drinks.
- Secret Santa generator: draw names free in your browser. Then see Secret Santa gift ideas by budget (affiliate links).
- Hosting cost calculator: food, drink, energy and extras if everyone comes to you.
3. Shop carefully
- Black Friday deal checker: is it really a saving, and does it fit your budget? Black Friday is Friday 27 November 2026 and Cyber Monday is 30 November.
- Subscription cost calculator: free trials that start charging in January add up.
4. Plan for January
- Boxing Day and January sales budget: set a limit before the sales start.
- No-spend calendar 2027: a free printable to reset after the festive spending.
- No-spend challenge: rules and ideas that actually work.
- Blue Monday budget: get through the long wait to January payday.
- Debt payoff calculator: if Christmas went on a card, see how fast you can clear it.
- Winter energy-saving kit: cheap fixes, with what each one costs to run.
- Free templates: a free bills calculator spreadsheet to start the year.
Key dates for Christmas 2026
| Date | What |
|---|---|
| Fri 27 Nov 2026 | Black Friday |
| Mon 30 Nov 2026 | Cyber Monday |
| Fri 25 Dec 2026 | Christmas Day (bank holiday) |
| Mon 28 Dec 2026 | Boxing Day bank holiday (substitute day, because 26 December is a Saturday) |
| Fri 1 Jan 2027 | New Year's Day (bank holiday) |
| Mon 4 Jan 2027 | 2nd January bank holiday (substitute day, Scotland only) |
Bank holiday dates are from GOV.UK. For last posting dates, check Royal Mail nearer the time. If you're paid early in December, your January payday can feel a long way off, so plan for that gap too.
FAQs
How much should I spend on Christmas?
There is no right number. Start from what you can afford without borrowing: take what you can save each week between now and Christmas, add anything already put aside, and use that as your total. The Christmas budget calculator does this for you.
When is the Boxing Day bank holiday in 2026?
Boxing Day (26 December 2026) is a Saturday, so the bank holiday moves to Monday 28 December 2026 across the UK.
Are the calculators free?
Yes. Every calculator and the printable checklist are free, with no sign-up. The paid Christmas Budget Planner is optional if you'd like a ready-made spreadsheet.
Related calculators & guides
Christmas budget calculator · Free Christmas checklist (PDF) · Christmas budget guide · Savings goal · No-spend challenge · Gift budget per person · Christmas food per head · Hosting cost calculator