Monthly budget check-in
See how your planned expenses, saving and debt payments fit within take-home income.
Enable JavaScript to calculate your estimate.
A plan that reflects your actual month
Start with income after taxes and other payroll deductions. Include housing, food, utilities and transport in essentials. Enter flexible spending separately. Use the debt field only for payments you have not already counted elsewhere.
Include a monthly share of predictable but irregular bills, such as annual insurance, in your expenses or a designated saving contribution. Avoid counting the same transfer twice. Money left to assign may still be needed for those future bills.
If planned outgoings exceed income, the result shows the shortfall. The saving percentage is descriptive, not a target. With no income it is undefined, rather than a misleading percentage.
Read how to build a workable budget and how sinking funds handle irregular bills.