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Budget Planner

Organize your monthly income into essentials, flexible spending and savings so you can see where your money is going.

Your monthly budget

Enter your typical monthly amounts to see the balance.

REMAINING BALANCE
$0
Money left after your planned categories
Total planned spending$0
Savings rate0%
0%planned
Essentials 0%Flexible 0%Savings 0%Remaining 0%
This is a planning estimate based only on the amounts you enter. It does not assess whether a budget is suitable for you.

How this planner works

The planner subtracts essential spending, flexible spending and planned savings from monthly income. A positive remaining balance means your entered categories do not use all of your income. A negative balance means your planned amounts exceed your income.

Important assumptions

  • All amounts are monthly figures.
  • The planner does not include taxes, irregular expenses or debt payments unless you include them in a category.
  • The result is a budgeting aid, not financial advice.
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How the budget result is calculated

The planner adds essential spending, flexible spending and planned savings, then subtracts that total from the monthly income you enter. A positive result is the amount not assigned to those three categories; a negative result means the planned categories exceed the entered income.

Formula: remaining balance = income − essential spending − flexible spending − savings. Savings rate = planned savings ÷ income × 100, when income is greater than zero.

Example: income of 5,000, essentials of 1,500, flexible spending of 800 and savings of 400 leave 2,300 unallocated. This does not automatically mean the household has 2,300 available to spend: debt repayments, irregular bills or other omitted costs may still need to be included.