Type your monthly income, then list your expenses one per line. The calculator adds them up, shows how much is left, and works out your savings rate — plus a 50/30/20 guideline for how the income could be split. Nothing you enter leaves your device.
One per line, amount last. The label is optional.
Enter your income to build the budget.
How it works
Each expense line ends in a number, which the tool reads as the amount; the words before it are just a label. It totals every amount, subtracts that from your income to get what remains, and divides the remainder by income for your savings rate. A negative balance — shown in red — means you are spending more than you earn.
The 50/30/20 targets are a popular rule of thumb: about 50% of income for needs (rent, food, bills), 30% for wants (eating out, subscriptions), and 20% for savings and debt repayment. They are computed from your income as a reference, not from how you actually tagged your expenses.
Everything is currency-neutral and rounded to two decimals. The decimal comma works, so 45.000,50 style values are read correctly when written as a plain number. This is a snapshot calculator: it does not save your data, so reload starts fresh.
Practical examples
A salary against fixed costs
Income 100000, with lines “Rent 45000”, “Food 25000”, “Transport 10000”. Expenses total 80000, leaving 20000 — a 20% savings rate, right on the 50/30/20 target.
Spotting an overspend
Income 50000 with “Rent 60000” leaves −10000 in red and a −20% savings rate — an immediate signal that the fixed costs alone exceed income and something has to give.
Checking the target split
Enter only your income to read the 50/30/20 guideline first — for 120000 that is 60000 for needs, 36000 for wants and 24000 for savings — then list expenses to see how close you land.
Frequently asked questions
How do I enter my expenses?
One per line, with the amount last. “Rent 45000”, “Phone bill 2500”, or just “20000” all work — the label is optional and only the trailing number is used in the total.
What is a savings rate?
The share of your income you do not spend, shown as a percentage: (income − expenses) ÷ income. A higher rate means more going toward savings, investing or debt. Many guides suggest aiming for 20% or more.
What is the 50/30/20 rule?
A simple budgeting guideline: spend about 50% of after-tax income on needs, 30% on wants, and put 20% toward savings and debt repayment. It is a starting point, not a strict rule — adjust it to your situation.
Should I use gross or net income?
Use net (take-home) income — the amount that actually lands in your account — since that is what you budget from. The 50/30/20 rule is also defined against after-tax income.
What does a negative balance mean?
Your expenses exceed your income for the month, so you would be drawing on savings or credit to cover the gap. The tool shows it in red so it stands out.
Does it categorise my expenses into needs and wants?
No. It totals all expenses together and shows the 50/30/20 figures as targets derived from your income. Comparing your real spending to those targets is left to you — decide which lines are needs versus wants.
Can I budget an annual or weekly amount?
The labels say “monthly”, but the math is period-agnostic. If you enter weekly income and weekly expenses the result is a weekly budget — just keep both sides on the same period.
Does it save my budget for next time?
No. It is a private, in-browser snapshot with no storage, so nothing is kept between visits. Copy the summary if you want to save it elsewhere.
Is my financial information private?
Completely. All the arithmetic runs in your browser and nothing is uploaded, logged or shared. You can use it offline once the page has loaded.
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