Monthly Budget Calculator
Create a monthly budget
Organize your monthly finances: add up your income and expenses by category to see what's left and what percentage you save. Useful for individuals and households: you need your net monthly income and your main expenses.
Calculate your balance and savings rate
Result
Remaining balance
€560.00
- Total income
- €2,000.00
- Total expenses
- €1,440.00
- Savings rate
- 28%
- Housing (% of income)
- 35%
- Utilities (% of income)
- 6%
- Food (% of income)
- 17.5%
- Transport (% of income)
- 6%
- Leisure (% of income)
- 7.5%
Formula version: 1.0.0
How to use the monthly budget calculator
- Enter your net monthly income and any other income.
- Fill in your expenses by category; leave unused ones empty.
- Review your remaining balance, savings rate and each expense's share of your income.
How the budget is calculated
Balance = Income − Expenses · Savings rate = Balance / Income × 100
Each category is also shown as a percentage of your income so you can see where your money goes.
Monthly budget example
With €2,000 of income and €1,600 of expenses you have €400 left each month: a 20% savings rate.
Illustrative example with the data shown; not a guaranteed outcome.
Assumptions and limitations
- All amounts are monthly.
- Divide yearly expenses (insurance, taxes) by 12.
Frequently asked questions
What is the 50/30/20 rule?
It's a rough guide: 50% of income for needs, 30% for wants and 20% for savings. Adapt it to your situation.
Is my data stored?
No. Calculations run in your browser and are not sent to any server.
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Indicative result for information only; not financial or tax advice. Read the legal notice · How we calculate results
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