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Budget Calculator

Finance
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Helps create and manage a personal budget by calculating income, expenses, and savings.

How To Use

How to use this calculator

Start with your values, or try a preset.

Step 1

Enter Monthly Income, Housing Expenses, Transportation Expenses, Food Expenses, Utilities Expenses, Other Expenses, and Savings Rate (%) in the units shown.

Step 2

Read Monthly Savings, Total Expenses, Expense Ratio, and Disposable Income in the results panel. Results update as you change the inputs.

Step 3

Choose a preset to load an example, then adjust the values for your situation.

Worked Examples

Example calculations

See the inputs and their calculated results.

Basic Budget

Monthly Income: 5,000 USD; Housing Expenses: 1,500 USD; Transportation Expenses: 300 USD; Food Expenses: 400 USD; Utilities Expenses: 200 USD; Other Expenses: 500 USD; Savings Rate (%): 10 %

Monthly Savings: 500 USD; Total Expenses: 2,900 USD; Expense Ratio: 58 %; Disposable Income: 1,600 USD

Tight Budget

Monthly Income: 3,000 USD; Housing Expenses: 1,000 USD; Transportation Expenses: 200 USD; Food Expenses: 300 USD; Utilities Expenses: 150 USD; Other Expenses: 300 USD; Savings Rate (%): 5 %

Monthly Savings: 150 USD; Total Expenses: 1,950 USD; Expense Ratio: 65 %; Disposable Income: 900 USD

Comfortable Budget

Monthly Income: 7,000 USD; Housing Expenses: 2,000 USD; Transportation Expenses: 400 USD; Food Expenses: 500 USD; Utilities Expenses: 300 USD; Other Expenses: 800 USD; Savings Rate (%): 15 %

Monthly Savings: 1,050 USD; Total Expenses: 4,000 USD; Expense Ratio: 57.14285714 %; Disposable Income: 1,950 USD

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Important

Treat this output as a planning estimate and confirm rates, tax rules, and contract terms before making financial decisions.