Budget Calculator

Lay out your monthly income against spending categories to see where your money goes and what's left.

Monthly take-home income	$4,500
Spending (category and amount, one per line)	Housing 1400 Groceries 500 Transport 300 Savings 600

Monthly take-home income

Spending (category and amount, one per line)

Left over each month

$1,700

You plan $2,800 of $4,500 (62.2%).

Where the money goes

Housing50%: $1,400
Groceries18%: $500
Transport11%: $300
Savings21%: $600

Your month, line by line

Take-home income$4,500
Housing−$1,400
Groceries−$500
Transport−$300
Savings−$600
Left over$1,700

About the Budget Calculator

Enter your monthly take-home pay, then each spending category on its own line with an amount, for example “Groceries 500”. The calculator totals your plan, shows what's left or how far over you are, and draws the month from income to what remains.

Start with fixed costs, then essentials, then savings, then wants. If there's a shortfall, trim wants first. A common starting guide is 50/30/20: about half on needs, 30% on wants and 20% on saving or paying off debt.

The formula

Left over = income − Σ spending

Worked example

Take-home 4,500 a month with the four categories on this page

Housing 1,400 + groceries 500 + transport 300 + savings 600 = 2,800
Left over: 4,500 − 2,800 = 1,700
So 62.2% of income is planned

Things to keep in mind

Use take-home pay (after tax), not your salary.
Yearly costs such as insurance or car servicing: divide by 12 and include them monthly.

Questions people ask

Should savings be in the budget?

Yes: treat saving as a bill you pay yourself first.

How often should I review it?

Monthly at first, then whenever income or big costs change.