Free financial calculatorsEstimates only • Not financial advice
Home / Calculators / Budget Calculator
Financial calculator

Budget Calculator

See how income is allocated among needs, wants, savings, and remaining cash flow.

Build your scenario

Use your actual figures where available. The output is an educational estimate based on the assumptions below.

Net income
Housing, food, utilities, etc.
Discretionary spending
Savings and/or debt reduction

Results update as you type.

Amounts show a $ symbol for readability. Enter figures in your own currency.

FINANCIAL ESTIMATE
—
NeedsWantsSavings
Needs share—
Wants share—
Savings/debt share—
Results are estimates for education. Actual terms, rates, taxes, fees, compounding, and lender or investment conditions can change the outcome.

How this budget calculator works

Leftover cash is take-home income minus needs, wants and savings (or debt payments). The share rows are each category divided by income. The 50/30/20 labels are not enforced; you type the amounts.

Important: Review the assumptions shown under each input. Changing one assumption can materially change the result.

When to use this calculator

  • See leftover cash after you assign needs, wants and savings for one month.
  • Compare your shares with a 50/30/20-style split without the tool forcing those percents.
  • Spot when planned spending is larger than take-home pay (leftover goes negative).

Related education

Read the guide →   Browse all financial guides →

Frequently asked questions

Is leftover the same as net worth?

No. Leftover is unallocated cash flow for the month. Net worth is assets minus liabilities.

Must the categories follow 50/30/20?

No. Those names are only a common grouping. Enter the amounts you actually plan to use.

Should I enter gross or take-home income?

Take-home, if you want leftover to resemble what reaches your bank account. Tax is not calculated here.