How do I stick to a budget?

Track every expense for at least a month to see real spending. Set limits for variable categories. Pay yourself first by automating savings. Review your budget monthly and adjust. Use our savings and EMI calculators to plan for specific goals and loans.

Why should I use a budget calculator?

A budget calculator helps you allocate income across needs, wants, and savings. Seeing where your money goes makes it easier to cut unnecessary spending, build an emergency fund, and work toward financial goals.

How much should I save from my income?

Many advisors suggest saving at least 20% of take-home pay. If you have high-interest debt, allocate part of that 20% to extra debt repayment. Use our savings calculator to see how much you need to save each month for specific goals.

What counts as needs vs wants?

Needs are essential expenses: housing, utilities, groceries, insurance, healthcare, minimum debt payments. Wants are discretionary: dining out, entertainment, subscriptions, hobbies. If you can delay or reduce it without harm, it is often a want.

Budget Calculator

Free budget calculator. Get instant results — no signup, no account. Plan and compare with confidence.

Use the Budget Calculator below.

Plan your monthly budget. Allocate your income across essential expenses, discretionary spending, and savings using a simple budget calculator.

How to use Budget Calculator

Enter income
Input your monthly take-home income.
Allocate categories
Enter or adjust amounts for housing, food, transport, savings, etc.
Review balance
See if your budget balances and where you can cut or save more.

Features

Instant results — no waiting or signup.
Free to use — no hidden fees.
No login or account required.
Works on all devices — desktop, tablet, and mobile.
Your data stays private — we do not store your inputs.

Why use this calculator

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

Supported browsers and devices

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

Frequently asked questions

Complete guide to Budget Calculator

Why use a budget calculator?

A budget calculator helps you allocate your income across needs, wants, and savings. By seeing where your money goes, you can cut unnecessary spending, build an emergency fund, and work toward financial goals. Many people use rules like 50/30/20 as a starting point and then adjust to their situation.

The 50/30/20 rule

Under this rule, 50% of after-tax income goes to needs (rent, utilities, groceries, insurance, minimum debt payments), 30% to wants (dining, entertainment, hobbies), and 20% to savings and extra debt repayment. You can adapt these percentages to your income and goals.

Budgeting tips

Track every expense for at least a month to see real spending.
Set limits for variable categories (e.g. dining, shopping).
Pay yourself first: automate savings before spending.
Review your budget monthly and adjust as needed.
Use our savings and EMI calculators to plan for specific goals and loans.

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Disclaimer

Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.