Calculator
Monthly Budget Calculator
Income minus expenses, category shares, and gentle observations — printable, no account.
Results
Worked example
Monthly take-home income$3,200
Total assigned (spending + savings)$3,035
Money remaining$165
Unassigned money tends to drift — give it a job.
You're spending approximately 36% of your take-home income on housing. This is one of your largest expenses. Here are several possible ways to reduce it: renewal negotiation, a roommate, or a planned move — see the Housing guide.
You're saving about 5% of income. The common 50/30/20 guideline aims near 20% for savings plus extra debt payments — a direction, not a pass/fail line.
| 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% |
Percentages compare against take-home pay. Guidelines are directions, not grades.