Finance
Savings rate
Measure how much of your net income you save.
Calculators / Finance / Monthly budget
Monthly budget calculator
Build a flexible monthly budget with custom income and expense rows, live totals, savings rate, and an expense chart.
On this page
Remaining balance / savings2,200USD
Total income5,000USD
Total expenses2,800USD
Savings rate44%
Percentage of income spent56%
Largest expenseHousing
Calculator controls
How to calculate
Build a flexible monthly budget with custom income and expense rows, live totals, savings rate, and an expense chart.
Remaining balance = total income − total expenses. Savings rate = remaining balance ÷ total income × 100.
Worked example
Currency: USD. Income: Primary salary — 5,000 USD. Expenses: Housing — 1,500 USD; Groceries / food — 600 USD; Transportation — 400 USD; Utilities / bills — 300 USD.
Remaining balance / savings: 2,200 USD; Total income: 5,000 USD; Total expenses: 2,800 USD; Savings rate: 44 %; Percentage of income spent: 56 %; Largest expense: Housing .
Assumptions and limits
A budget is a planning estimate. Include irregular costs as monthly provisions and confirm actual cash timing separately.
Results are rounded for display; calculations use unrounded values. Read our calculation methodology.
Understanding the result
Compare monthly income with essential, discretionary and savings allocations. The displayed figures use the inputs and formula shown on this page.
When this tool is useful
Use the monthly budget to compare a scenario, check an estimate, or verify a manual calculation.
Understanding your inputs
| Input | What to enter |
|---|---|
| Currency | Choose the currency used for every budget row. |
| Income | Add a clear label and nonnegative monthly amount for each source. |
| Expenses | Add a clear label and nonnegative monthly amount for each planned cost. |
Frequently asked questions
What should I check before using the monthly budget result?
Use net income and include irregular costs as monthly provisions. A budget is a plan, not a guarantee of available cash.
Is this monthly budget result exact?
It is exact for the stated mathematical model and entered values. Real-world results can differ when rates, timing, fees, definitions or measurement conditions differ.