Personal Finance

Personal Budget Calculator

Compare monthly take-home income with the spending and savings you plan for. Adjust categories to see what remains unallocated or where the plan exceeds income.

Interactive estimate

Explore the numbers.

Use monthly take-home income. This calculator organizes a plan; it does not recommend spending ratios or determine whether a purchase is affordable. Enter each cost once.

Monthly household plan

Enter take-home income after payroll deductions, then list each planned outflow once.

Monthly take-home income

After payroll withholding and deductions.

Housing

Rent or mortgage payment; enter one amount.

Utilities and communication

Power, water, internet, and phone.

Food and household basics

Groceries and routine household supplies.

Transportation

Transit, fuel, insurance, and routine vehicle costs.

Health and personal essentials

Insurance premiums, medication, and regular care costs.

Planned debt payments

Minimums plus any extra payment you intend to make.

Planned savings and investing

Your chosen monthly contributions; not a recommended percentage.

Other planned spending

Subscriptions, childcare, giving, and other categories.

Enter your figuresResults update as you change an input.

Planning estimateNot individualized advice

Common questions

About this calculator

Should I use gross or take-home income?

Use the income available to spend after withholding and payroll deductions. If income varies, try a conservative monthly estimate and keep a separate view of irregular expenses.

Does this calculator recommend a budget rule?

No. It totals the amounts you choose and shows the unallocated difference. Household priorities, costs, income stability, and obligations vary.

How should I enter debt payments?

Include the payment you plan to make once. If you enter minimums plus extra payments, do not repeat those same amounts in another category.

Related planning tools: debt payoff, savings goal, loan payments, and the Personal Finance hub.