Equipment Budget Calculator — Plan Your Cycling Spend
Plan your cycling equipment budget across all essential categories.
How We Calculate This
Budget Allocation
The calculator divides your total budget using recommended percentages based on your riding type:
- Road cycling: 60% bike, 5% helmet, 12% clothing, 4% lights, 4% lock, 5% tools, 5% accessories (5% spare)
- Commuting: 50% bike, 5% helmet, 14% clothing, 8% lights, 8% lock, 5% tools, 5% accessories (5% spare)
- Mountain biking: 62% bike, 6% helmet, 10% clothing, 2% lights, 2% lock, 6% tools, 6% accessories (6% spare)
- Gravel / adventure: 60% bike, 5% helmet, 12% clothing, 3% lights, 3% lock, 6% tools, 6% accessories (5% spare)
Each preset leaves a spare/contingency slice for the inevitable extras (mudguards, a track pump, a bottle cage). Open Advanced Options to tune any percentage — if your seven categories add up to more than 100%, the spare is held at £0 and the calculator flags the over-allocation.
Frequently Asked Questions
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Last updated: February 2026
All calculations are estimates. Always verify results and consult a professional bike fitter where appropriate.