Monthly Budget Calculator

Compare take-home income with major monthly spending categories.

Total expenses—

Monthly margin—

Expense-to-income ratio—

Educational estimate only. Actual lender, issuer, tax, insurance, account, and market calculations may differ.

Free monthly budgeting tool

Budget Calculator

Last reviewed: July 18, 2026

Enter monthly take-home income and your major expense categories. The result stays in your browser.

Monthly take-home incomeHousingUtilitiesFoodTransportationChildcareRequired debt paymentsOther expenses

How to use the result

A positive remainder can be assigned to emergency savings, irregular expenses, extra debt payments, or longer-term goals. A negative result means the listed monthly plan needs adjustment before adding optional goals.

Educational estimate. It does not account for taxes, benefit changes, or every household expense.