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Monthly budget calculator

See what’s left after your monthly commitments.

Private calculations in your browser. No account required.

Your calculator

EXPLORE YOUR NUMBERS

Monthly budget

See what’s left after your monthly commitments.

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.

  1. 01

    Monthly take-home income after deductions.

  2. 02

    A monthly share of annual or irregular bills.

  3. 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

Your calculator inputs are not included in your inquiry.

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

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.