Calculator
Monthly Budget Calculator
Income minus expenses, category shares, and gentle observations: printable, no account.
A budget is only this: what comes in this month set against what goes out. The total at the bottom matters less than the shape above it, because almost nobody is surprised by every category at once. Usually one line is much bigger than it felt.
Fill it in from last month's bank and card statements rather than from memory. Memory reliably under-counts the small, frequent things and over-counts the big, rare ones.
Results
Type your numbers on the left and press Calculate. Nothing you enter is saved.
See a worked example
- Monthly take-home income$3,200
- Housing (rent/mortgage)$1,150
- Utilities$210
- Food & groceries$520
- Transportation$260
- Insurance$180
- Childcare$0
- Debt payments$180
- Subscriptions$45
- Entertainment & dining$220
- Other spending$120
- Savings$150
| Category | Monthly | % of income |
|---|---|---|
| Housing (rent/mortgage) | $1,150 | 35.9% |
| Utilities | $210 | 6.6% |
| Food & groceries | $520 | 16.2% |
| Transportation | $260 | 8.1% |
| Insurance | $180 | 5.6% |
| Childcare | $0 | 0.0% |
| Debt payments | $180 | 5.6% |
| Subscriptions | $45 | 1.4% |
| Entertainment & dining | $220 | 6.9% |
| Other spending | $120 | 3.8% |
| Savings | $150 | 4.7% |
Type your numbers on the left and press Calculate. Nothing you enter is saved.
Enter 0 where something doesn't apply.
Percentages compare against take-home pay. Guidelines are directions, not grades.