Budget Calculator
Build a monthly budget and see your savings rate.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Enter your income
Monthly take-home pay (and other income).
Add expense rows
Category and amount for each.
Read the bottom line
Surplus or deficit, savings rate and breakdown.
What Is a Budget Calculator?
A budget is a plan for your money: what comes in, what goes out, and what is left. This calculator lays out a monthly budget with income on one side and expenses by category on the other, then shows the bottom line — surplus or deficit — and your savings rate.
The category-based expense rows make it easy to spot where money goes, and the breakdown table shows each category's share of total spending.
The Method
A common starting framework is the 50/30/20 rule: 50% needs, 30% wants, 20% savings. The calculator shows your actual numbers against your income.
Your data never leaves your device.
Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
How do I make a monthly budget?
List your monthly income, then every expense category, and subtract. This calculator does the math and shows the breakdown.
What is a good savings rate?
Financial planners often suggest 15–20% of gross income; the 50/30/20 rule allocates 20% to savings.
How much should I spend on housing?
A common guideline is no more than 30% of gross income on housing costs.
What if my expenses exceed my income?
The calculator shows the deficit clearly — the first step is cutting the largest categories or raising income.
Should I budget weekly or monthly?
Monthly is standard, but if you are paid biweekly, use the paycheck calculator to convert to monthly figures.