Take control of your money with a clear monthly budget. Enter your take-home pay and spending across six categories to see where every pound goes, how much is left over, and your savings rate — with a visual breakdown you can act on.
How to Use
- Enter your monthly take-home pay.
- Fill in your spending for each category — housing, transport, food, utilities, subscriptions and other.
- Click Calculate budget to see totals, your savings rate and a visual breakdown.
- Adjust the figures to plan spending cuts or set a savings goal.
Key Features
- Six spending categories — covering the typical household budget.
- Visual bar breakdown — each category’s share of spending at a glance.
- Savings rate — money left over, shown as cash and percentage.
- Overspend warning — alerts you when expenses exceed income.
- 100% private — runs entirely in your browser; nothing is sent or stored.
FAQs
What is a good savings rate?
Saving 20% of take-home pay is a popular target (the 50/30/20 rule), but any consistent saving builds security. Start where you can and raise it over time.
Should I use net or gross income?
Use net (take-home) pay — the money that actually lands in your account — because that is what you spend from.
How often should I redo my budget?
Monthly is ideal, and any time your income or spending changes. A quick review keeps small leaks from becoming big ones.
Is my financial data stored anywhere?
No. The calculator runs entirely in your browser and never sends or saves your figures.
Related Tools
Try these related tools: Savings Calculator, Salary Calculator and Rent Calculator.