📊 Monthly Budget Calculator
Build a zero-based budget in minutes. Enter your income and expenses to see exactly where your money goes — and where you can cut back.
Monthly Income
Monthly Expenses
🏠 Housing
🍔 Food
🚗 Transportation
📱 Subscriptions & Tech
💆 Personal & Health
💳 Debt Payments
How to Use the Monthly Budget Calculator
A monthly budget calculator helps you take control of your finances by giving you a clear picture of income versus expenses. The goal of zero-based budgeting is to assign every dollar a job — whether that's spending, saving, or debt payoff — so nothing leaks away unnoticed.
What Is Zero-Based Budgeting?
Zero-based budgeting means your income minus all expenses equals zero. That doesn't mean you spend everything — it means your savings contributions are planned expenses too. When you build your budget this way, you're in control of every dollar instead of wondering where it went.
How Much Should Each Category Be?
A common guideline is the 50/30/20 rule: 50% of take-home pay for needs, 30% for wants, and 20% for savings and debt payoff. Use this calculator to see how your current spending compares, then adjust categories where you're over-spending.