Monthly Budget Calculator
See how income, expenses, savings, and debt affect your monthly flexibility.
Inputs
Result
Money left over
$1,200
Spent $3,800.00 of $5,000.00 · savings rate 16.0%
Visual breakdown
Income
$5,000.00
Expenses
$3,800.00
Savings
$800.00
Left over
$1,200.00
Expenses $3,000.00 — 60%
Savings $800.00 — 16%
Left over $1,200.00 — 24%
Formula
Left over = income − (expenses + savings). Savings rate = savings ÷ income × 100.
Example
$5,000 income, $2,900 expenses, $800 to savings → $1,300 left over, savings rate 16%.
Related: 50/30/20 · Savings rate · Paycheck
How to use
- Use your typical take-home (after tax) monthly income.
- Group small categories into 'Other' to keep it simple.
- Treat savings as a planned 'expense' before discretionary spending.
- Re-check whenever income or rent changes.
When it's useful
- Building a first budget from a paycheck.
- Spotting categories that have crept up.
- Pre-checking a lifestyle change before committing.
Common examples
$5,000 income, $3,000 expenses
$2,000 left for savings and goals.
Housing 30%, food 12%
Common healthy split.
$800 saved on $5,000 income
Savings rate ≈ 16%.
Frequently asked
Should savings count as an expense?
Most planners treat 'pay yourself first' savings as a fixed line — that's how this calculator handles it.
What if I'm negative?
Trim the largest non-fixed categories first (subscriptions, food, transportation) before touching housing or debt.
Does it store my numbers?
No. Inputs stay in your browser. Optional history is local only.
What about irregular income?
Use a conservative monthly average — typically your last 6–12 months.
People also calculate
More money & work →Estimates only — not financial advice.