Budget Calculator

Use this free budget calculator to total monthly expenses, compare spending with income, estimate leftover money, and see expense and savings ratios.

All tools

Formula steps Estimate limits shown Examples included Private history

Monthly income ($)Housing ($)Utilities ($)Food ($)Transportation ($)Insurance ($)Debt payments ($)Savings ($)Other ($)

Money left after budget$550.00

$5,200 income - $4,650 planned spending

Total planned expenses: $4,650.00
Expense ratio: 89.4230769231%
Savings rate: 11.5384615385%
Largest category: Housing

This is a simple monthly budget worksheet and does not sync with accounts or forecast irregular bills.

Formula steps

Add each monthly spending and savings category.
Subtract total planned expenses from monthly income.
Divide total expenses by income for an expense ratio.
Divide planned savings by income for a savings-rate check.

How to use the budget calculator

Enter the requested dollar amounts, rates, terms, tax settings, or contribution details.
Use rates as percentages, such as 6.5 for 6.5%, and check whether a field asks for a monthly or annual amount.
Press the calculate button to see the answer, supporting metrics, and formula steps.
Use the result as a planning estimate only, then copy it if the assumptions look right.

Common uses

Build a quick monthly budget snapshot.

See how much money is left after planned spending.

Estimate expense ratio and savings rate.

Compare housing, debt, savings, and other categories in one place.

Examples

Household budget $5,200 income with housing, bills, debt, and savings

Leftover money and ratios

Lower debt $4,300 income with small debt payments

Budget surplus estimate

Aggressive saving $7,200 income and $1,200 savings

Savings-rate check

Frequently asked questions

Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.

When should I use the Budget Calculator?

Use it for early planning and side-by-side comparisons, especially for tasks like these: Build a quick monthly budget snapshot. See how much money is left after planned spending. Treat the answer as a planning estimate, not a final quote.

What is the Budget Calculator doing with my numbers?

In plain language: The calculator adds each monthly category, subtracts total planned expenses from monthly income, then divides expenses and savings by income for quick ratios. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.

What does this estimate leave out?

This is a simple monthly worksheet. It does not sync bank data, forecast irregular bills, create a full financial plan, or replace personal advice. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.

Does the site save my finance inputs?

No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.