Personal Finance & Budget · Free calculator
Monthly Budget Calculator
Compare monthly income with your own editable expense categories, remaining balance and savings rate.
Your calculation
Results
Review the assumptions, enter your values and calculate.
How much of my monthly income remains after expenses?
Total income = sum of income sources. Total expenses = sum of category amounts. Remaining balance = income − expenses. Savings rate = remaining balance ÷ income × 100, when income is positive. Optional category share = category expense ÷ total expenses × 100.
Worked example
With 3,000 monthly income, 1,200 housing and 600 other expenses, expenses total 1,800, balance is 1,200 and savings rate is 40%. Housing accounts for 66.6667% of expenses. All amounts start at zero; no spending recommendation is assumed.
Assumptions & limitations
- Use amounts covering the same month and enter each expense once. Rename, add or remove categories for your own situation; combine multiple income sources in the two income fields.
- The savings rate here is the unspent share of income, not a guarantee that it will be saved. Deficits produce negative balances and negative savings rates. With zero income, the rate is undefined; category shares are undefined when total expenses are zero.
- USD, CAD, GBP, EUR and AUD are display currencies only. No conversion, taxes, prices or recommended spending percentages are supplied.