Monthly Budget Calculator

About this calculator

This calculator applies a straightforward zero-based budgeting approach: it sums your fixed categories — housing, transportation, food and other expenses — and subtracts that total from your monthly income to show exactly what's left over, whether that's a surplus to save or invest, or a shortfall that means something has to give.

Financial coaches recommend building this breakdown before setting any savings goal, because it turns a vague sense of "money feels tight" into concrete numbers by category, making it obvious which expense line is actually eating the budget rather than guessing.