Budget Calculator 1) Income Use Monthly Take-Home (after tax) Monthly Gross + Tax % Monthly Take-Home Monthly Gross Tax / Withholding (%) Other Income (side gigs, etc.) Usable Monthly Income $0 Tip: If your pay varies, use an average month (last 3–6 months). 2) Fixed Essentials (Needs) Rent / Mortgage Utilities (power/water/internet) Phone Insurance (auto/health/life) Transportation (car pmt/transit pass) Minimum Debt Payments Childcare Groceries (baseline) Other Fixed Total Fixed Needs $0 3) Variable / Discretionary (Wants) Dining / Coffee Shopping Entertainment Subscriptions Travel / Misc. Other Wants Total Wants $0 4) Savings & Extra Debt Paydown Emergency Fund (monthly) Investing / Retirement Other Savings Goals Extra Debt Payments Total Savings + Extra Debt $0 5) Targets & Framework Framework 50/30/20 (Needs/Wants/Savings) Custom % Needs % Wants % Savings % Switch to “Custom %” to set your own target split. Calculate Reset Export CSV Usable Income$0 Needs (Spent vs Target)$0 / $0 Wants (Spent vs Target)$0 / $0 Savings (Committed vs Target)$0 / $0 Leftover / Shortfall$0 Rollover Suggestion— Needs Wants Savings Target Line-Item Breakdown CategoryAmountBucket% of IncomeStatus Notes “Usable income” = monthly take-home + other income (or gross minus tax%) 50/30/20 compares your totals to common guidance; adjust with Custom % to fit your goals. Educational tool—no financial advice.
