Budget Calculator
Add up your monthly income and expenses, see what is left over, your savings rate and how your spending compares with the 50/30/20 guideline — in your browser.
Needs are the bills you cannot skip: rent, food, utilities, transport, insurance, minimum debt payments. Wants are optional spending such as eating out, subscriptions and hobbies. Savings is money you set aside. The 50/30/20 split is a rule of thumb, not a law — a budget that fits your life beats a perfect ratio.
How the monthly budget calculator works
This budget calculator turns a monthly income and a list of expenses into a clear picture of where the money goes. Type your net income, add one line per bill or everyday purchase with an amount, and tag each line as a need, a want or savings. The calculator adds the lines up, shows the amount left at the end of the month, your savings rate and what that monthly surplus becomes over a full year. A second block compares your three buckets with the common 50/30/20 guideline of 50 percent needs, 30 percent wants and 20 percent savings, so you can see whether rent and groceries are eating the budget or whether the savings line is being skipped. Amounts can be typed with a dot or a comma as the decimal separator, and every figure is recalculated while you type. Nothing is uploaded and nothing is stored: the numbers stay in the browser, which makes the page usable with real salary, rent and loan figures.
So arbeitet der Budgetrechner
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What is Budget Calculator?
Budget Calculator is a free online utility tool built for anyone who needs a quick answer without an account. Add up your monthly income and expenses, see what is left over, your savings rate and how your spending compares with the 50/30/20 guideline — in your browser In practice you paste or enter what you want to process, adjust the options on the page, and then copy the result.
Generation happens locally, so the values you create are not logged on any server.
How to use Budget Calculator
- Paste or enter what you want to process.
- Adjust the options on the page.
- Copy the result.
Budget Calculator FAQ
Is Budget Calculator free to use?
Yes. Budget Calculator is completely free and needs no account, no trial and no payment details. Every feature on the page is available without limits.
Is my data uploaded anywhere?
No. Budget Calculator runs entirely in your browser, so the text, file or number you enter never leaves your device.
Does Budget Calculator work on a phone or tablet?
Yes. It works in any modern browser on desktop, tablet and phone. There is no app to install and no account to create.
How do I use Budget Calculator?
Paste or enter what you want to process. Adjust the options on the page. Copy the result.