Budget Calculator

A monthly budget worksheet that sorts spending into needs, wants and money put away. Enter your take-home pay and what you spend under each heading, and it returns the three group totals, each as a share of income, the surplus or shortfall, your savings rate, and how far the month sits from the 50/30/20 shares. A second action just splits a pay figure into those three shares, with the percentages editable if 50/30/20 does not fit your rent. Where a line belongs is a judgement rather than a fact, so the three totals are worth reading as the shape of a month rather than as a score.

Calculator Type

Monthly Take-Home Pay ($) *

What actually lands in the account after tax and payroll deductions.

Other Monthly Income ($)

Rent or Mortgage ($)

Utilities ($)

Groceries ($)

Transport and Fuel ($)

Insurance ($)

Minimum Debt Payments ($)

Childcare ($)

Healthcare and Medicine ($)

Eating Out and Takeaway ($)

Entertainment ($)

Clothes and Shopping ($)

Subscriptions ($)

Personal Care and Hobbies ($)

Travel Fund ($)

Savings and Emergency Fund ($)

Retirement Contributions ($)

Extra Debt Payments ($)

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