Monthly Budget Calculator

Answer a few quick questions about your income and expenses. We'll show you what's actually left over each month, then how long it'd take to save toward something real, like a vacation.

Income & fixed costs
$
Don't know your take-home pay? Find it with the Hourly Wage Calculator →
$
$
$
Do any of these apply to you?
Do you pay for a phone plan?
$
Estimated at $45/line if you don't enter an actual bill.
Do you pay for subscriptions or streaming?
$
Estimated at $13/service if you don't enter an actual total.
Gym membership or similar recurring fee?
$
Car payment?
$
Other debt payments (cards, loans)?
$
Everyday spending
$
$
$0
left over each month
Income$0
Total expenses$0
Leftover$0

What do you want to do with this money?

$
This is an estimate based on the numbers you entered. Phone and subscription costs use rough per-unit averages unless you enter your actual bill. It doesn't account for irregular expenses (car repairs, gifts, annual fees) or income changes, so treat it as a real ballpark, not a guarantee.

Why "leftover" matters more than your income number

Two people earning the same salary can have completely different financial lives depending on what's already spoken for before it hits their account. Your income number is fixed. Your leftover number is the one that actually tells you what you can do this month, whether that's building an emergency fund, paying down debt faster, or actually taking the trip you keep putting off.

The goal calculator above isn't about perfect discipline. It's about picking a percentage of what's already left over, one you can actually stick to, and seeing the real timeline instead of guessing.