Budget Calculator
Track income vs expenses. Calculate surplus or deficit for your monthly budget.
Use the Budget Calculator
Enter income and expenses. Surplus or deficit is calculated.
Monthly budget
Income and expenses.
Results
Total expenses
$3,600
Surplus / deficit
$1,400
Surplus %
28.0%
Positive surplus can go to savings or debt payoff. Negative means overspending.
How this calculator works
Enter monthly income and expense categories. Total expenses and surplus or deficit are calculated.
How to interpret your results
Positive surplus goes to savings or debt payoff. Negative means overspending.
FAQs
What counts as needs?▾
Housing, utilities, groceries, transport, insurance, and minimum debt payments.
What if I have a deficit?▾
Look for areas to cut (wants, discretionary) or ways to increase income.
How often should I budget?▾
Monthly is common. Align with your pay cycle.
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