Money & Finance · Free tool
Monthly Budget Calculator
Enter your income and expenses, see what's left, and spot where you can cut. A simple monthly budget calculator that works.
Monthly income
Monthly expenses
Income
$4500.00
Expenses
$2930.00
Left over
$1570.00
Savings rate
34.9%
Great — you're saving 20%+ of income. Keep automating it.
What it does
A monthly budget calculator that shows, at a glance, whether you’re actually saving money. Enter your take-home pay, fill in your real expense categories, and see income, expenses, leftover, and savings rate — plus a color-coded bar so you know where you stand without reading a spreadsheet.
A healthy starting target is 20% of income into savings. 10–20% is reasonable; under 10% means one surprise expense knocks you over; negative means spending is outrunning income and needs urgent attention. The defaults are realistic US numbers — override every field with your own to get a picture that reflects your real life.
How to use it
- Enter your monthly take-home pay (after tax).
- Fill in each expense row with a typical month's figure.
- Read the leftover amount and savings rate.
- Adjust until you're saving at least 10–20%.