Quick, interactive monthly budget planner — plan income, expenses, savings, and debt payments.
Use this monthly budget calculator to turn your income into a clear plan. Enter your take-home pay, list fixed costs like rent and insurance, add variable spending such as groceries and transport, and set a monthly savings target. The calculator instantly shows totals, percentages, and leftover cash so you can test scenarios — for example, what happens if you trim dining out or increase your savings by $50. Seeing the numbers helps you prioritize high-impact changes: reduce variable spending first, then evaluate subscriptions and discretionary purchases. Track your debt payments separately to ensure minimums are met while you accelerate payoff for high-interest balances. This tool is designed to be fast, visual, and actionable: use it monthly to monitor progress, or run “what-if” scenarios to plan for a raise, a move, or a one-time expense. Remember, consistent small changes compound: a modest monthly increase in savings or a small cut in variable costs can build meaningful financial resilience over time. This page is educational and intended to help you plan; for tailored financial advice, consult a licensed advisor.