Free interactive tool

Budget Calculator

Enter your monthly income and expenses to see what is left and compare your plan with the 50/30/20 guideline.

Your numbers

Monthly plan

Use after-tax amounts. Blank fields count as $0.

Monthly income (after tax) Income Housing (rent and utilities) Expenses Food and groceries Expenses Transport (gas, transit, or car) Expenses Savings and investing Plan ahead Other (fun, subscriptions, and misc.) Expenses

Your result

Monthly summary

Income: $0
Total expenses: $0
Savings: $0
Total out: $0
Remaining: $0

A useful reference

50 / 30 / 20 comparison

This common guideline suggests 50% for needs, 30% for wants, and 20% for savings. It is a starting point, not a requirement.

Needs (50%)Enter income to compare

Wants (30%)Enter income to compare

Savings (20%)Enter income to compare

For educational planning only; this is not financial advice.

Use the result

Turn the calculation into one practical next step.

The calculator shows the current monthly picture; it does not decide what matters most. Review essential bills first, choose one pressure point to improve, and return when the numbers change.

Follow the Money pathway Read emergency fund guidance Find a worksheet