Free finance calculator

Budget Calculator

Estimate monthly income, expenses, savings rate, debt load, and leftover cash so you can see where your money is going.

Monthly cash flow
Savings rate
Debt payment share
Expense breakdown

Monthly budget

Enter income, expenses, and goals

Income and goals

Monthly take-home pay Other monthly income Savings goal per month

Fixed expenses

Housing Utilities Insurance

Variable expenses

Groceries and dining Transportation Personal and shopping Subscriptions and entertainment

Debt and other

Debt payments Other expenses

Use monthly after-tax income for the clearest result. This estimate does not include irregular annual costs unless you add them as monthly amounts.

Budget result

Monthly cash flow

Estimated leftover cash $0

Enter your monthly budget to see your cash flow.

Total monthly income: $0
Total monthly spending: $0
Savings rate: 0%
Debt payment share: 0%
Housing share: 0%
Needs, wants, savings: 0% / 0% / 0%

Estimate only. A budget works best when you compare it with actual bank and card transactions.

How to use this budget calculator

Enter your monthly take-home income, regular expenses, savings goal, and debt payments. The calculator estimates leftover cash, spending levels, and savings rate.

What is a healthy monthly budget?

A common starting point is the 50/30/20 idea: needs, wants, and savings or debt payoff. Real budgets vary, but a clear monthly view helps you decide what to adjust first.

What this calculator does not include

This estimate does not include seasonal spending, tax refunds, bonuses, annual insurance premiums, emergency costs, or category details beyond the fields shown.