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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.
결과
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실제 예시 보기
예시 수치
- 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
예시 결과
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% |
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Percentages compare against take-home pay. Guidelines are directions, not grades.