Budget Calculator
A budget starts with two numbers: what comes in each month and what goes out. Put in your take-home pay and your spending by category, and this page shows what is left.
- Free
- Works offline after your first visit
- Saves on this device
- No sign-up
- Updated
How it works
Add up the spending in each category to get the total. Subtract that total from take-home pay. A positive number is what is left over each month. A negative number means spending is more than pay.
The share of pay spent is total spending divided by pay, shown as a percent. Use take-home pay, the money that reaches your account, so the numbers match what you really have.
Worked example
With $4,200.00 coming in and $2,720.00 going out, $1,480.00 is left over each month. That is 65% of your pay going to spending.
Questions
What counts as take-home pay?
The amount that reaches your bank account after taxes and deductions. If your income changes from month to month, use a typical month.
How often should I update it?
Once a month is enough for most people. Use last month's real spending, since guesses often come in low.
What about bills that come only once a year?
Divide the yearly total by twelve and put that amount in the monthly spending, so the bill is already set aside when it arrives.
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