About the Disposable Income Calculator
Disposable income (after taxes) and discretionary income (after taxes and essential costs).
Also known as: discretionary income, income after expenses, spendable income.
How to use this calculator
- Enter gross monthly income, taxes & deductions, essential expenses.
- 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
Disposable = gross − taxes · Discretionary = disposable − essentials
Worked example
Using the values pre-filled in the calculator above:
- Gross monthly income = 6,500
- Taxes & deductions = 1,500
- Essential expenses = 2,900
the calculator returns:
- Disposable income: 5,000
- Discretionary income: 2,100