Saving calculator
Monthly Budget Calculator
Use this free monthly budget calculator to compare your take-home income with housing, bills, essentials, flexible spending and savings.
Monthly Budget Calculator
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Enter your numbers to see a practical estimate.
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This saves only the relevant planning figures in this browser. Do not enter account numbers or card details.
How to use this result
A household earning $5,000 per month with $4,450 allocated across bills, essentials, spending and savings has $550 of monthly breathing room.
Use this free monthly budget calculator to compare your take-home income with housing, bills, essentials, flexible spending and savings.
This calculator provides a simplified educational estimate. It is not financial, tax, legal, investment, insurance or lending advice.
Questions answered
Monthly Budget Calculator FAQ
What should I include in a monthly budget?
Include take-home income, housing, utilities, debt minimums, food, transport, insurance, flexible spending and planned savings.
Should savings be treated like a bill?
Yes. Giving savings a planned amount makes it less likely to become whatever is left over at the end of the month.
How often should I update my budget?
Review it briefly each week and rebuild it whenever income or major expenses change.