SASQuick Tools

Money

Budget Calculator

List your monthly income and expenses to see what's left over and how much of your income each month is already committed.

  1. Enter your monthly take-home income.
  2. Add, rename, or remove expense lines.
  3. Optionally save the budget on this device.
USD
Monthly expenses
Enter values to see the result.

Optional: save this budget in your browser's local storage on this device only. It is never sent to a server.

These figures are planning estimates, not financial advice.

Not financial advice. Results are estimates based only on the numbers you enter. They are for general information and planning, and are not financial, tax or legal advice. Check important decisions with a qualified adviser or your lender.

How it works

Start with your monthly take-home pay, the amount that actually reaches your bank account. Then list each regular cost: rent or mortgage, food, transport, bills, subscriptions and anything else you pay each month. You can rename lines, add new ones, or remove ones you don't need.

The calculator adds up all the expense lines, subtracts the total from your income, and shows the remaining balance. It also shows what percentage of your income is already spent. Your figures stay in your browser; they are only saved on this device if you press Save, and you can delete them at any time.

Think of the result as a starting point for decisions rather than a verdict. If the spent percentage is high, look at the largest lines first, because small changes there make the biggest difference. If there is money left over, decide in advance where it should go, such as savings, an emergency fund or paying down debt, so it does not quietly disappear on day-to-day spending. Revisit the numbers whenever your pay or bills change.

Formula

Total expenses = sum of all expense lines

Remaining = Income − Total expenses

Spent % = Total expenses ÷ Income × 100

Worked examples

Income $3,000; rent $1,200, food $400, transport $150: total $1,750, remaining $1,250, 58.3% spent.

Single renter

Income 2,400; rent 950, food 350, transport 120, phone 40, utilities 110. Total 1,570, remaining 830, 65.4% spent.

Family budget

Income 5,200; mortgage 1,600, childcare 900, food 800, car 450, bills 380. Total 4,130, remaining 1,070, 79.4% spent.

Overspending warning

Income 1,800; costs add up to 1,950. Remaining is −150, which means you would need to cut costs or use savings.

Understanding the result

A negative remaining balance means you are planning to spend more than you earn. These numbers are planning estimates, not financial advice.

Common mistakes

  • Using gross salary instead of take-home pay after tax and deductions.
  • Leaving out yearly costs such as insurance or licences. Divide them by 12 and add them as monthly lines.
  • Forgetting small subscriptions, which often add up to a large amount.
  • Treating the remaining balance as spare money without setting some aside for savings or emergencies.

When to use it

  • Planning your money at the start of each month.
  • Checking whether you can afford a new rent, loan or subscription.
  • Finding out how much you could put towards a savings goal.
  • Comparing your spending before and after a change in income.

FAQs

Where is my budget saved?
Only in your browser's local storage on this device, and only when you press Save. Nothing is sent to a server. Use “Delete saved” to remove it.
Should I use gross or net income?
Use take-home (net) pay — it's the money you can actually spend.
What is a good share of income to spend?
Many people aim to keep fixed costs well below their income so there is room to save, but the right level depends on your situation.
Can I use weekly pay?
Yes — multiply weekly pay by 52 and divide by 12 to get a monthly figure, then enter that.
Is this financial advice?
No. The calculator only adds and subtracts the numbers you enter. For advice, speak to a qualified adviser.

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