Monthly Budget Planner

Plan your monthly income and expenses.

Monthly Income ($)

Monthly Expenses

Housing ($)

Utilities ($)

Groceries ($)

Transportation ($)

Insurance ($)

Healthcare ($)

Entertainment ($)

Dining Out ($)

Subscriptions ($)

Savings ($)

Debt Payments ($)

Other ($)

$6,000

Income

$4,380

Expenses

$1,620

Remaining

Learn More

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How to Track Your Spending: A Complete Guide to Building Awareness

Key Terms to Know

Budget Cash Flow Net Income

Understanding This Calculator

What this calculator does

This calculator helps you build a zero-based monthly budget — assigning every dollar of income to a category so income minus expenses equals zero and nothing is untracked.

How to use the results

1.Enter your total monthly net income.
2.Allocate amounts to each category (housing, food, transport, savings, debt, etc.).
3.The summary shows whether you're balanced, overspending, or have unallocated money.

Worked example

$4,500 net income: $1,600 housing, $600 food, $500 transport, $400 savings, $400 debt, $400 utilities, $600 other = $4,500. Every dollar has a job.

Important assumptions & limitations

•Uses net (after-tax) income; taxes are already removed.
•Assumes monthly figures; convert biweekly pay by multiplying by 26 and dividing by 12.
•Irregular income should be budgeted on your monthly minimum, with windfalls assigned separately.