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Budget Calculator

Use this free Budget Calculator to plan your monthly income and expenses. Simple, accurate, and easy to use for better personal finance.

The Budget Calculator is a fundamental tool for personal finance management. It provides a clear snapshot of your financial health by tracking your monthly income against your recurring expenses.

Budgeting is not about restriction; it is about awareness. By categorizing your spending, this tool helps you identify leaks, prioritize savings, and ensure you are living within your means.

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Fincalculator

INPUT VALUES

Monthly Income0
Rent / Mortgage0
Utilities0
Internet / Phone0
Fuel0
Public Transport / Vehicle0
Groceries0
Dining / Eating Out0
Insurance (Medical/Life)0
Entertainment0
Shopping / Personal0
Savings0
Miscellaneous0

When to Use This Calculator

How to Use the Budget Calculator:

  1. Enter Income: Input your total monthly take-home pay (after tax).
  2. Housing & Utilities: Add your rent/mortgage and essential bills.
  3. Living Expenses: Estimate costs for food, transport, and personal items.
  4. Savings: Treat savings as an expense—pay yourself first!

All values should be monthly figures. If you have an annual expense (like car insurance), divide it by 12.

Example Scenario

Income: $4,000.

Expenses:
- Housing: $1,500
- Transport: $400
- Food: $600
- Personal/Misc: $300
- Savings: $500

Total Expenses: $3,300.
Remaining Balance: $700.

This is a Surplus budget. You have extra cash flow to increase investments or pay down debt faster.