Fresh vegetables in a grocery shop illustrating a weekly food budget

Grocery Savings Calculator UK

Updated 20 October 2026: Put in your weekly food shop and see how much four simple habits could save you a week, a month and a year. Every assumption is editable, so you can match it to your own shop.

Grocery Savings Calculator

Four habits, your numbers, one realistic saving.

Include top-up shops. Check your banking app for the last 2–4 weeks if you’re not sure.

Compare the unit price on the shelf label.

Enter your own observed saving compared with the price you would otherwise pay, including other shops.

Use your own food-waste estimate; the starting values are illustrative, not measured savings for your household.

The snacks and “while I’m here” items, not the milk you went in for.

Saving per week£0
Saving per month£0
Saving per year£0
  • Own-brand swaps£0
  • Loyalty prices£0
  • Less food waste£0
  • Fewer top-up shops£0

These are estimates, not promises. Prices, offers and loyalty schemes change, and every household eats differently. The calculator avoids double counting by working out each saving on what’s left after the one before.
SourcesCMA: Loyalty prices offer genuine savings →WRAP: Food waste in UK homes →

Updated 20 October 2026 • Assumptions are editable

Fresh vegetables in a grocery shop illustrating a weekly food budget
Illustrative stock photograph: nrd / Unsplash.

How this grocery savings calculator works

It starts with your weekly shop and applies four habits in turn: cutting top-up shops, wasting less, swapping brands and using loyalty prices. Each saving is applied to the remaining budget. This limits simple double counting but cannot remove every overlap: if you already buy an own-brand item at a loyalty price, do not count both discounts against the same original spend. Defaults are editable examples, not a promise of savings.

The four habits, explained

1. Own-brand swaps

Try the supermarket’s own version of a few things you buy every week. If your family can’t tell the difference, keep the swap. If they can, go back. That’s the downshift challenge from my guide to cutting your grocery bill.

2. Loyalty prices

Compare loyalty prices with the price you would otherwise pay, including other shops and own-brand alternatives. A loyalty discount does not automatically make something the cheapest choice. Compare the schemes in my supermarket loyalty apps guide and Morrisons More vs Tesco Clubcard.

3. Wasting less

Use your own food-waste estimate; the starting values are illustrative, not measured savings for your household. Planning meals, checking the fridge before you shop and using leftovers are the cheapest saving there is, because you’ve already paid for the food.

4. Fewer top-up shops

Popping in for milk rarely ends with just milk. Skipping one top-up shop a week, or sending one person with a list, cuts the impulse buys.

What to do next

Important information

This is an educational estimate. The monthly estimate uses 52 weeks divided by 12, and the annual estimate uses 52 weeks. Your real savings depend on what you buy, where you shop and current prices and offers. If you’re struggling to afford food, see free money help in the UK, and check whether you qualify for Healthy Start.

Dr Kalpana Govindaraasan is the founder of MoneySavvyUK, a PhD scientist, former science teacher and UK mum. She came to the UK in 2008 with £1,000 during the financial crisis. Living on one salary at a time, her family saved £36,000 in three years—a 20% deposit—and bought their first home in 2011. She shares how they managed it, alongside practical money-saving experience and step-by-step guides to help you cut everyday costs, plan your spending and work towards your own goals. She also publishes on Medium and Amazon. Read her story. She is not a financial expert or financial adviser; her writing shares personal experience and general information.