Budget Calculator

Use this free budget calculator to plan your monthly income, expenses, and savings. Whether for personal finance or business budgeting, this tool helps you stay on track with your financial goals.

Monthly Income

Salary/Wages: Side Income/Freelance: Investment Income: Other Income:

Monthly Expenses

Housing (Rent/Mortgage): Utilities (Electricity, Water, Gas): Groceries/Food: Transportation (Gas, Public Transit): Insurance (Health, Auto, Home): Debt Payments (Loans, Credit Cards): Entertainment (Dining Out, Subscriptions): Other Expenses:

Savings & Investments

Monthly Savings: Retirement Contributions: Other Investments:

Budget Summary

Total Monthly Income:

Total Monthly Expenses:

Total Savings & Investments:

Net Monthly Balance:

Why Budgeting is Important

A well-planned budget helps you:

Track spending and avoid overspending
Save for emergencies and future goals
Reduce debt by managing repayments
Invest wisely for long-term growth
Achieve financial freedom with better money management

How to Use This Budget Calculator

Enter your monthly income (salary, side income, investments)
Add all monthly expenses (housing, utilities, food, etc.)
Input savings & investments (retirement, emergency fund)
Click "Calculate Budget" to see your net balance
Download the PDF for future reference

Tips for Better Budgeting

Follow the 50/30/20 rule: 50% needs, 30% wants, 20% savings
Review your budget monthly and adjust as needed
Cut unnecessary expenses (subscriptions, dining out)
Automate savings to ensure consistent contributions
Set financial goals (emergency fund, vacation, retirement)