Financial Tools

Budget Calculator

Every source of income against every expense, so the number left at the end of the month is a fact rather than a guess.

Incomes (Before Tax)

Salary (Annual)

Investments (Monthly)

Other Income (Monthly)

Tax Rate (%)

Housing & Utilities (Monthly)

Rent / Mortgage

Utilities & Insurance

Transportation (Monthly)

Auto Loan & Ins.

Gas & Maint.

Living & Misc (Monthly)

Food & Groceries

Healthcare & Kids

Leisure & Other

See your full report

Monthly Summary

Net Income (After Tax)	$0
Total Expenses	$0
Savings Rate	n/a

Monthly Surplus / Deficit

$0

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Everything here stays in your browser. The link carries your inputs inside the address itself, and the PDF is made by your own device.

For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.

A surplus sitting in checking earns nothing.

Live savings and certificate rates from banks and credit unions, each dated at its source.

See current bank rates

How this is worked out

Take home pay is annual salary divided by twelve, plus monthly investment and other income, with your effective tax rate taken off the whole figure. Enter the rate that actually comes out of your pay, not the bracket you sit in: the two are rarely the same.

Expenses are summed across housing, transport and living, and the surplus is take home pay minus that total. Savings rate is the surplus over take home pay, which is the one number that survives a change in income.

The housing warning fires above 30% of take home pay. It is a rule of thumb, not a rule, and it is the line lenders and landlords both use.

Questions people ask

What tax rate should I enter?

Your effective rate, which is total tax divided by gross pay, not your top bracket. A pay stub gives it: add federal, state, Social Security and Medicare, and divide by gross.

Should retirement contributions count as an expense?

No. Leave them out of the expense lines and let them show up in the surplus. They are money you keep, and putting them in the expense column makes your savings rate look like zero.

My surplus is negative every month. Where do I start?

Housing, then transport. They are the two largest fixed lines for most households and the only ones where a single decision moves hundreds of dollars. Cutting small variable lines feels productive and moves very little.

What is a good savings rate?

There is no universal figure. What matters is that the rate is deliberate: the surplus has a named destination before the month starts, otherwise it is spent by the end of it.

Most Used Calculators

Expense Calculator