In 2010 they were getting £30 per week IIRC and those with commitments like mortgages had those paid. But I remember reading at the time that Matt Cardle's dad said that Matt had asked to borrow money from him to pay his phone bill - so I don't think it can cover stuff like that.
Those that make it to the tour get paid reasonably well from that - I am sure £50K per song they got was quoted for the 2010 lot. As all of them had at least 2 songs each, that was £100K minimum and Matt and 1D got 5 songs so they got £250K. So if they make it to the tour, then the pittance they get on the show is worth it.