CalculatingWealth
Live calculator

Budget Calculator

Build a monthly budget across income, expenses and savings goals.

Calculator

$
$
$
$
$
Left for savings
$1,700.00
Total expenses
$3,300.00
Savings rate
34.00%
50/30/20 needs target
$2,500.00
50/30/20 wants target
$1,500.00
50/30/20 savings target
$1,000.00

What's next?

Refine your numbers, compare options, or explore the next step in your plan.

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Savings CalculatorCredit Card PayoffInvestment Calculator

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AI financial insights

Personalized, plain-English guidance generated from your numbers.

Unlimited generations — free

Your planning path

A guided sequence so each tool builds on the last.

0/4 steps
  1. Step 1
    Payoff plan
    See your real payoff date.
    Open
  2. Step 2
    Budget room
    Free up cash to accelerate payoff.
    You are here
  3. Step 3
    Emergency fund
    Avoid sliding back into debt.
    Open
  4. Step 4
    Start investing
    Put freed cash to work.
    Open

Learn the why behind your result

Short, plain-English lessons related to this calculation.

4 min lesson

The 50/30/20 Budget — Simplified

A flexible framework that beats line-item spreadsheets for most people.

Read
4 min lesson

Emergency Fund Essentials

How much, where to keep it, and when to use it.

Read
Browse the full education hub →Or follow a guided pathway
Educational resources

Helpful financial resources

Tools that may support the planning behind your budget calculator — picked for context, not promotion.

  • Budgeting WorkspacePartnerCategorises income and expenses across accounts.Helpful for users who want a clearer monthly cash-flow picture.
  • High-Yield Savings AccountPartnerAn interest-bearing account for short-term savings.Useful when building an emergency fund or holding cash you'll need within 1–3 years.

Some resources are partner links that may support the platform at no extra cost to you. All recommendations are educational in nature. Learn how we choose them.

Track this over time
Get a quiet nudge to revisit and compare updated numbers.

Recommended next steps

Tools that pair naturally with this calculation.

Savings Calculator
Forecast how your savings grow with regular deposits.
Credit Card Payoff
Plan a debt payoff schedule and minimize interest paid.
Investment Calculator
Project portfolio growth with contributions, returns and time.

Compare scenarios

See how different terms, rates, or contributions change the outcome — side by side.

Add a scenario to compare it against your current inputs.

How it works

The budget calculator uses a standard formula refined for clarity and precision. Results update live as you change any input — try different scenarios to see how sensitive the answer is to each assumption.

Tips for accurate results

  • Use realistic, current values — don't round aggressively for inputs that matter.
  • Compare a few scenarios to see how sensitive the result is to your assumptions.
  • Save your results so you can track changes over time as your situation evolves.

Frequently asked questions