Core calculator

Monthly Budget Calculator

Plan income, expenses, savings, and unassigned cash for the month.

Common questions

About this calculator

Is debt payment counted as spending or saving?

Minimum payments are treated as monthly outflow. Extra principal payments can also improve your savings rate if you track them as wealth building.

What is a good monthly budget surplus?

A small surplus is useful because real months are messy. Even 3% to 5% of income can prevent overdrafts or credit card float.

Monthly income is compared with planned bills, spending, debt payments, and savings.

Unassigned cash is income minus all planned outflow.

Savings rate is planned savings and investments divided by take-home income.

Educational planning estimate. It does not replace an official calculation or individualized financial, tax, or legal advice.

Estimate how much you can spend before payday while protecting bills, goals, debt, and a cash buffer.

Compare your needs, wants, and savings against the 50/30/20 budgeting guideline.

See the annual and multi-year cost of recurring subscriptions.