Source: https://adamou-financial-consulting.vercel.app/tools/monthly-budget/

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# Monthly budget calculator

 

See what’s left after your monthly commitments.

  [ 
    
   Use the calculator
](https://adamou-financial-consulting.vercel.app/#tool-budget) [ 
    
   Before you begin
](https://adamou-financial-consulting.vercel.app/#prepare) [ 
    
   See an example
](https://adamou-financial-consulting.vercel.app/#worked-example)  

Private calculations in your browser. No account required.

 

Your calculator

Monthly budget

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Changes units and formatting, not exchange rates. Enter every amount in the selected currency.

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EXPLORE YOUR NUMBERS

## Monthly budget

See what’s left after your monthly commitments.

Monthly take-home income 

(USD)

Housing and utilities 

(USD)

Food and transportation 

(USD)

Debt payments 

(USD)

Other spending and planned savings 

(USD)

CalculateReset example

Example values are shown. Change them to explore your situation.

How this estimate works

Take-home income − housing − living costs − debt payments − other allocations.

Use one month for every amount. Include irregular bills as monthly equivalents. Money remaining is unallocated—not automatically saved.

 

BEFORE YOU BEGIN

 

## Bring the right numbers.

 

Estimates are enough to explore. Keep every money amount in the same
        selected currency.

   
- 01

 

Monthly take-home income after deductions.

- 02

 

A monthly share of annual or irregular bills.

- 03

 

Spending, debt payments, and savings you already plan for.

 

MAKE THE RESULT USEFUL

 

## What to look for.

 

Start with a typical month, including irregular bills divided across the year. A positive result is money still to assign; a shortfall means the listed commitments exceed take-home income. Try changing one category before changing several.

 [
Discuss your next step with Matt
](https://adamou-financial-consulting.vercel.app/contact/?goal=budget) 

Your calculator inputs are not included in your inquiry.

   

WORKED EXAMPLE · USD

 

###  Unallocated each month: $1,100.00 

   Monthly take-home income  $4,500.00   Housing and utilities  $1,600.00   Food and transportation  $700.00   Debt payments  $300.00   Other spending and planned savings  $800.00    

$3,400.00 allocated from $4,500.00 take-home income.

 

The example matches the starting inputs. It is an illustration, not a
        recommendation.

 

TRY ANOTHER SCENARIO

 

## 
Change one thing.
  Notice the difference.

   

Change one flexible spending category and compare the unallocated amount. Keep planned savings in the budget so they are not counted as spare money.

 [
Return to your numbers
](https://adamou-financial-consulting.vercel.app/#tool-budget) 

Changing inputs here does not send them to Matt or save them between
        visits.

 

A FEW THINGS YOU MAY BE WONDERING

 

## 
Good questions.
  Clear answers.

     Does money left over count as savings? 

  

Not automatically. The result is income you have not assigned to the categories entered. You can decide whether to direct it to savings, another expense, or a different priority.

   How do I include a yearly bill? 

  

Divide the yearly amount by 12 and include that monthly equivalent in a relevant category. Use the same one-month period for every input.

 

KEEP EXPLORING

 

## Build a fuller picture.

 

Three related tools for your next question.

  [
View all tools
](https://adamou-financial-consulting.vercel.app/tools/)   [ 

 

### Emergency fund

 

Explore the cash buffer that matches your chosen coverage.

 ](https://adamou-financial-consulting.vercel.app/tools/emergency-fund/)[ 

 

### Debt payoff

 

Compare what a fixed monthly payment could mean for one balance.

 ](https://adamou-financial-consulting.vercel.app/tools/debt-payoff/)[ 

 

### Savings goal

 

Estimate how many monthly contributions reach your goal.

 ](https://adamou-financial-consulting.vercel.app/tools/savings-goal/)