Budget Calculator
Track your monthly income and expenses to find how much you save — and where you can cut back.
Educational Purpose Only: Values update in real time as you type. All amounts are monthly.
Monthly Expenses
Monthly Income
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Total Expenses
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Surplus
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How it works
Enter your total monthly income and then fill in your spending amounts for each category. The calculator instantly shows total expenses, remaining savings, and a colour-coded progress bar for each category showing what percentage of your income it consumes. Categories consuming more than 30% of income are highlighted in amber, and those above 50% in red, so you can quickly spot areas to review.
A common budgeting guideline is the 50-30-20 rule: allocate 50% of income to needs (housing, food, utilities), 30% to wants (entertainment, clothing), and 20% to savings and investments. Use this calculator to see how your current spending compares.
This calculator is for educational and illustrative purposes only. Actual budgeting needs vary by individual and family circumstances.