Budget Calculator

Track income, expenses, savings, and debt payments. See your net cashflow and breakdown instantly.

How to Use

  1. Choose a budget period (monthly is default).
  2. Add income lines (paychecks, side work, etc.).
  3. Add expense lines (housing, food, utilities, etc.).
  4. Optionally add savings and debt payments.
  5. Open “Show Work” for the full math and totals.
Inputs
Add lines per section. Totals update live.
All lines are normalized to the selected period.
Display only; calculations are numeric.
Affects display + copied results.
Use Frequency mode if your lines differ from the selected period.

Income

Examples: paycheck, side work, rental, other.
No income lines yet.

Expenses

Examples: housing, food, utilities, insurance, fuel, subscriptions.
No expense lines yet.

Savings

Examples: emergency fund, investing, sinking funds.
No savings lines yet.

Debt Payments

Examples: credit card, auto loan, student loan.
No debt lines yet.
Results
Live totals for your selected period.
Total Income
—
Total Expenses
—
Total Savings
—
Total Debt Payments
—
Net Cashflow: —
Positive means money left over; negative means shortfall.
Needs (fixed essentials)
—
Wants (optional)
—
Savings
—
Debt Payments
—
Tip: Tag expense lines as “Need” or “Want” for a quick 50/30/20-style view.
Show Work (step-by-step)
—
Work shows normalized amounts in the selected budget period.

Reference

  • Net Cashflow = Income − Expenses − Savings − Debt Payments
  • Needs/Wants percent uses tagged expenses only (un-tagged expenses are excluded from those two buckets).
  • Frequency Mode converts each line to your selected budget period.
This tool is for planning/estimation; it does not provide financial advice.

Tool Info

Last updated:

Updates may include new line presets, improved categories, and edge-case handling.