Budget Calculators

Plan weekly, monthly and annual budgets, try the 50/30/20 rule, zero-based budgeting and disposable income.

Budget
Monthly Budget Calculator
Build a monthly budget: list income and expenses to see what is left over, your savings rate and biggest spending categories.
Left over = income − Σ expenses
Also called monthly budget planner · budget calculator
50/30/20 Budget Zero-Based Budget Savings Goal
Budget
Weekly Budget Calculator
Plan a weekly budget from weekly income and spending categories — groceries, transport, fun money and savings.
Left over = income − Σ expenses
Also called weekly budget planner · budget per week
50/30/20 Budget Zero-Based Budget Savings Goal
Budget
Annual Budget Calculator
Yearly budget including irregular annual costs like insurance, holidays, gifts and car maintenance.
Left over = income − Σ expenses
Also called yearly budget · annual expenses planner
50/30/20 Budget Zero-Based Budget Savings Goal
Budget
Household Budget Calculator
Household budget for families: combined income and shared expenses like rent, groceries, childcare and utilities.
Left over = income − Σ expenses
Also called family budget · home budget planner
50/30/20 Budget Zero-Based Budget Savings Goal
Budget
Personal Budget Calculator
Personal budget for students and singles — track income vs spending categories and find money to save.
Left over = income − Σ expenses
Also called personal finance budget · student budget
50/30/20 Budget Zero-Based Budget Savings Goal
Budget
Expense Ratio Calculator
What share of income goes to an expense (e.g. housing or food), or a fund’s expense ratio from fees and assets.
Ratio = expense ÷ income × 100
Also called expense to income ratio · fund expense ratio
Needs vs Wants Investment Fee 50/30/20 Budget
Budget
Needs vs Wants Calculator
Compare your actual spending on needs, wants and savings with the 50/30/20 guideline.
Share = category ÷ income × 100
Also called needs and wants · spending breakdown
50/30/20 Budget Expense Ratio Zero-Based Budget
Budget
50/30/20 Budget Calculator
Split after-tax income with the 50/30/20 rule: 50% needs, 30% wants and 20% savings and debt repayment.
Needs 50%
Also called 50 30 20 rule · 50/30/20 rule
Needs vs Wants Monthly Budget Savings Rate
Budget
Zero-Based Budget Calculator
Give every dollar a job: assign income to categories until income minus allocations equals zero.
Income − Σ allocations = 0
Also called zero based budgeting · every dollar budget
Monthly Budget 50/30/20 Budget Disposable Income
Budget
Disposable Income Calculator
Disposable income (after taxes) and discretionary income (after taxes and essential costs).
Disposable = gross − taxes
Also called discretionary income · income after expenses
Budget Surplus Monthly Budget Weekly Budget
Budget
Budget Surplus Calculator
Monthly and annual budget surplus or deficit, and how fast that surplus could reach a savings goal.
Surplus = income − expenses
Also called budget deficit · surplus calculator
Savings Goal Disposable Income Monthly Budget

Key budget formulas

Monthly Budget	Left over = income − Σ expenses
Weekly Budget	Left over = income − Σ expenses
Annual Budget	Left over = income − Σ expenses
Household Budget	Left over = income − Σ expenses
Personal Budget	Left over = income − Σ expenses
Expense Ratio	Ratio = expense ÷ income × 100
Needs vs Wants	Share = category ÷ income × 100
50/30/20 Budget	Needs 50% · Wants 30% · Savings 20% of take-home pay
Zero-Based Budget	Income − Σ allocations = 0
Disposable Income	Disposable = gross − taxes · Discretionary = disposable − essentials