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Monthly budget calculator

Enter your monthly take-home income and typical expenses. Everything is calculated locally in your browser — nothing is saved or sent anywhere.

Needs (housing, utilities, groceries, insurance, minimum required bill payments)
Wants (dining out, entertainment, subscriptions, hobbies)
Savings & extra payoff payments

How the 50/30/20 comparison works: we compare your entered needs/wants/savings against a common guideline of roughly 50% needs, 30% wants, and 20% savings — it's a starting reference, not a rule everyone needs to follow. Read more in The 50/30/20 Budget Rule Explained.