Monthly Budget Calculator
Calculate total monthly expenses, budget surplus or deficit, expense ratio, and savings rate.
Enter your details
Your result
Total monthly expenses
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Monthly surplus / deficit
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Expense-to-income ratio
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Estimated savings rate
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Enter your assumptions to see a short result summary.
Budget breakdown
Review where the entered monthly expenses are allocated.
| Category | Amount | Share of Expenses |
|---|
How it works
- Total monthly expenses are the sum of the expense categories entered.
- Monthly surplus equals monthly income minus total expenses.
- Savings rate is calculated as monthly surplus divided by income when the surplus is positive.
- Expense ratio shows what percentage of monthly income is used by the entered expenses.
Monthly Surplus = Income − Total Expenses
Frequently asked questions
What should I include in a monthly budget?
Include recurring essential and discretionary expenses that materially affect monthly cash flow.
What if expenses exceed income?
The calculator will show a monthly deficit rather than a surplus.
Is this a financial plan?
No. It is a simplified budgeting tool designed to organize the amounts you enter.
Disclaimer
This calculator is a simplified budgeting tool for general informational purposes. It does not account for taxes, irregular expenses, investment returns, individual financial priorities, or professional financial-planning considerations.