Use this free budget calculator to total monthly expenses, compare spending with income, estimate leftover money, and see expense and savings ratios.
$5,200 income - $4,650 planned spending
This is a simple monthly budget worksheet and does not sync with accounts or forecast irregular bills.
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.
Leftover money and ratios
Budget surplus estimate
Savings-rate check
Need a slower walkthrough, a related calculator, or the full library? These links keep you close to the task you started.
Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it when you want to test the exact inputs on this page: Build a quick monthly budget snapshot. See how much money is left after planned spending. The result is a check against your assumptions, not proof that a lender, tax app, broker, platform, or provider will use the same number.
Money tools are picky about labels. Dollar fields should be entered as dollar amounts, rate fields should be entered as percentages like 6.5 instead of 0.065, and term fields should match the page label such as months or years. If a field says monthly, do not enter a yearly total unless the tool specifically asks for it.
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.
Start with the headline number, then use the supporting lines to see why the answer moved. For finance calculators, the extra lines often explain interest, tax, fees, principal, payment timing, or totals paid over time. Those pieces matter because two results can look close at first but cost very different amounts later.
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.
Check the rate, time period, compounding or payment frequency, and whether the value is before tax or after tax. A common mistake is mixing monthly and yearly numbers, which can make a finance answer look believable even when it is off by a lot.
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.