Budget calculator.
Plan monthly and annual income, taxes, expenses, savings rate, and surplus or shortfall with visual breakdowns.
Budget Calculator inputs
Enter the assumptions below. Results update automatically and include result cards, charts, and a schedule/table.
Monthly income before tax
Enter monthly income categories and estimated combined tax rate.
Monthly expenses
Enter expenses by category for a personal finance budget overview.
Visual breakdown
Live labels, comparison cards, charts, and schedule outputs update as you change the inputs.
Schedule graph
Shows the value path over time.
Schedule
Detailed rows for the first periods and final result.
About the Budget Calculator
This budget calculator is designed for personal finance planning. It totals income before tax, estimates tax, summarizes monthly and annual spending, and shows whether the budget has a surplus or shortfall.
Income
Include salary, pension, Social Security, investment income, rental income, support, gifts, or other recurring income.
Expenses
Group spending into housing, transportation, debt, living costs, healthcare, children, savings, and miscellaneous expenses.
Surplus or shortfall
The result compares after-tax income with monthly expenses and savings contributions.
How to use this calculator
Enter monthly income categories, estimated tax rate, and monthly expense categories. Review net income, expenses, savings rate, surplus or shortfall, charts, and the annualized table.
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⚠ Disclaimer: This calculator is for general education and planning only. It is not financial, tax, accounting, legal, lending, or investment advice. Actual results can differ because of fees, timing, taxes, rates, policies, and product-specific rules.
Budget Calculator FAQ
Common questions about inputs, outputs, assumptions, and limitations.
What does the Budget Calculator estimate?
It estimates net income, monthly expenses, savings rate, expense ratio, and monthly or yearly surplus or shortfall.
Should income be before or after tax?
Enter income before tax and use the tax-rate field to estimate after-tax income.
What expenses should be included?
Include housing, transportation, debt, living costs, healthcare, children, savings, and miscellaneous expenses.
What is a budget surplus?
A surplus means estimated after-tax income is greater than expenses.
Is this a replacement for budgeting software?
No. It is a planning estimate and does not track transactions automatically.