Budgeting & Everyday
Budget Calculator
Split your monthly income across common spending buckets and see exactly how much is left over, so you can spot budget leaks before the month ends.
Money left over
$800
16% of income unallocated
- Total expenses
- $4,200
- Total savings
- $500
- Spending excl. savings
- $3,700
- Savings rate
- 10.0%
Where your income goes
- Housing — 36%
- Food — 14%
- Transport — 10%
- Utilities — 7%
- Debt — 10%
- Savings — 12%
- Fun — 7%
- Other — 5%
How to read your budget
Total expenses include every category, even savings, because savings is money you commit before you spend. Leftover is what remains for unexpected costs or extra savings.
A sustainable budget usually leaves a small buffer. If the leftover is negative, your plan spends more than your income; if it is close to zero, any surprise bill can break the month.
Frequently asked questions
What is the 50/30/20 budget rule?
A simple guideline: about 50% of after-tax income goes to needs, 30% to wants, and 20% to savings and debt. The calculator helps you see how close your actual split is.
Should I budget with gross or net income?
Use your take-home, after-tax income for the most useful budget. Gross income overstates the money you can actually spend.
Why does my budget show a negative leftover?
It means your planned expenses are larger than your income. That is a signal to trim a category, raise income, or move spending from one bucket to another.
How often should I update my budget?
Recalculate when your income or a major bill changes, and review at least once a month so small leaks do not compound.