About the Budget Surplus Calculator
Monthly and annual budget surplus or deficit, and how fast that surplus could reach a savings goal.
Also known as: budget deficit, surplus calculator, monthly surplus.
How to use this calculator
- Enter monthly income, monthly expenses, savings goal (optional).
- The result updates instantly as you type — press Calculate (or Enter) at any time.
- Review the breakdown shown under the main result.
- Use Copy result or Share to save the answer or send a link with your inputs.
Formula
Surplus = income − expenses
Worked example
Using the values pre-filled in the calculator above:
- Monthly income = 5,000
- Monthly expenses = 4,300
- Savings goal (optional) = 10,000
the calculator returns:
- Monthly surplus: 700
- Annual: 8,400
- Months to goal: 15