Hi UK Accountant!
We're in similar situations, I live and work in London as a newly qualified accountant so hopefully the comparison/comments below will help you. I'm not married but I don't think it changes things too drastically.
Gross Salary/Wages:
I earn £55k a year. That's the benchmark for newly qualified, I'm on £50k but with 8% pension contribution + 12% employer match. I also believe you when you say you expect your salary to keep increasing until you get to £100k.
Current expenses:
Rent 1,500 - £937 and I flatshare with a friend. I understand people will tell you it's too much a percentage of your income however there is a lot of terrible housing in London. I think £1,500 to live in a good place where you don't feel like you're forever a loser in life is a fair amount.
Bills (water, gas, ,electric, council tax and TV licenes) 210 - That's similar to what me and flatmate pay too.
Mobile phones (sim only) 40 - I pay £10 on giffgaff, I can refer you if you want :)
Broadband and landline phone 50 - That's included in the 200ish pounds we pay for bills so could be an area of savings for you. All my family is abroad and everyone talks via WhatsApp (my dad pops in at my gramma's all the time so he video calls when he's there).
Another options are landlines you call that then call your country, it's usually 1p per minute, I used that before smartphones (google "cheap calls to X country" and loads come up, never had a scam). Another option is Skype calls to landlines although personally I just hate that app.
Groceries 450 - What? Wait... what? I understand allergies and food choices but still looks way too expensive. I'm a Waitrose girl and I still spend max £150 per month going all out. My guess is that you guys are not buying/cooking very efficiently. Maybe you keep stock the pantry and then don't want to eat anything in your cupboard/fridge and then go out to buy some more or keep buying and not using stuff. I'd look into making meal plans and trying to cook using all the stuff you already have at home. There are plenty of advice on these forums, my two life savers are a slower cooker similar to Insta Pot and
www.budgetbytes.comPublic transport 300 - That's a fair number. My advice is to consider cycling, especially now the weather is warming up. I've cycled for 5 years in London and I rarely give up cycling because it's raining (I do give up because of many other reasons including being tired/lazy/not in the mood). I strongly recommend a Giant Escape bike for £350 + a D lock, it will pay back in a few months.
We can send me a message if you want help with cycling in London or deciding on your route.
Gym 70 - I think it's a fair price for 2 people, probably isn't even a fancy gym. Consider cycling :)
Eating out 170 - I don't think your eating/going out spend is stupid. London is expensive and friends are always far, social dynamics are also different that "inviting people over" doesn't always work.
My suggestion here is to think really hard what actually adds extra value/happiness. I'm awfull but I decided some people weren't worth spending a penny on, so they always get an excuse. There is also the option of leading the group, if I suggest an activity or restaurant, my friends usually don't care each way and agree to it. This means you can steer everyone towards cheaper or less stresfull or more joyful options. Again, I'm not agaisnt your spend here, just saying it's really easy in London to spend and spend going out and not even realising you are't getting much enjoyment.
Going out 100
Cleaner 70 - That's 6 hours per month. I'd suggest skipping one month, doing the 6 hours yourselves and seeing how it goes. Again, is the cleaner worth the money or do they come in, vaccum and bugger off? When I lived with 2 other girls, we had a cleaner for 2 hours every week so it seems 6 hours a month for a couple seems a bit high. I'd move towards a professional clean once/twice a year so you can actually get the house cleaned decently and then you two do a maintenance once a week. Honestly, watch some youtube videos or just think about it like an engineer and you can clean the house in one hour every week. Viakal is the best product, clean the hell out of everything. If your wife has allergies, then you can do the cleaning and she can do the food shopping.
Clothing 70 - My clothes/shoes budget for this year is £100/month =P I'm never writing a case study!
Holidays 330 (we estimate 4,000 a year). hmmmm that's in line with what I spend but that's because I have family literally on the other side of the world. This could be an area to look into or maybe having a baby will put a stop to it anyway.
misc 85
Total: 3,445
Saving rate 23.5% - are you including your pension in your saving rate? It is still saving, it's just automatic! :) My savings rate is 40% (24% pension, rest is "cash" saving)
Good luck!