📋Budget Calculator
Build a full monthly budget from your income and every expense.
Income (Before Tax)
interest, capital gain, dividend, rental income…
gift, alimony, child support, tax return…
federal + state + local
Housing & Utilities
home owner, renters, home warranty, etc.
repair, landscape, cleaning, furniture, appliance…
electricity, gas, water, phone, cable, heating…
Transportation
ticket, taxi, registration, etc.
Other Debt & Loan Payments
the recurring part to pay back the balance only
personal loan, store card, etc.
Living Expenses
laundry, barber, beauty, alcohol, tobacco, etc.
Healthcare
copay, uncovered doctor visit or drugs, etc.
Children & Education
book, software, magazine, device, etc.
Savings & Investments
before-tax contribution
before-tax contribution
stock, bond, funds, real estate, etc.
savings, CD, house or major purchase, etc.
Miscellaneous Expenses
including tickets, gym membership, etc.
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About this calculator
This budget calculator adds up every source of income and every expense to show what's left over each month. Enter each amount as a monthly or yearly figure — the calculator converts everything to a yearly total, applies your income tax rate, and shows your total income, total expenses and the surplus (or shortfall). Pre-tax contributions like a 401k reduce your taxable income.
How to use
Enter your above — the result updates instantly as you type or drag the sliders. It's free and needs no sign-up.
Frequently Asked Questions
What does the Budget Calculator do? ▼
Build a full monthly budget from your income and every expense.
How do I use the Budget Calculator? ▼
Enter your values using the input fields or sliders. The result updates instantly — no submit button needed. All calculations run in your browser.
How accurate is the Budget Calculator? ▼
The Budget Calculator uses standard mathematical formulas and the inputs you provide. Results are estimates meant to guide decisions — consult a qualified professional for advice specific to your situation.
Can I use the Budget Calculator with any currency? ▼
Yes. The Budget Calculator is currency-neutral — it works with plain numbers, so you can treat the amounts as dollars, euros, rupees, or any currency you like.
Is my data saved when I use the Budget Calculator? ▼
No. The Budget Calculator runs entirely in your browser. The numbers you enter are never uploaded, stored, or shared — they disappear when you close the page.
Is the Budget Calculator free? ▼
Yes — completely free. No sign-up, no download, and no account required. Works in any browser.