📊 Budget Calculator
A budget is just two numbers: what comes in and what goes out. Writing every expense down, even the small ones, is usually the moment people discover where their money actually goes.
Enter your monthly income and list your expenses separated by commas. The calculator totals them, shows what is left over, and converts that into a savings rate percentage.
How to use this calculator
Enter your monthly income and your expenses as a comma-separated list to see total spending, money left over and your savings rate.
- Type your Monthly income.
- List your Expenses separated by commas, for example 1500, 400, 300.
- Press Calculate.
- Read the savings rate to see what share of income you keep.
Frequently asked questions
What does the budget calculator show?
Your total monthly expenses, the money left over after them, how many expenses you listed, and your savings rate as a percentage of income.
What is a savings rate example?
With $6,000 of income and expenses of $1,500, $400, $300, $200 and $600, total spending is $3,000, leaving $3,000, which is a 50% savings rate.
What savings rate should I aim for?
Many advisers suggest at least 20%, but any positive rate builds a buffer, and tracking it monthly shows whether lifestyle creep is eating gains.
What if my expenses exceed my income?
The money left over goes negative and so does the savings rate, which is the calculator's way of flagging that spending must come down.