Budget & Financial Planning Calculator

Create a comprehensive budget plan with category-wise analysis, financial health indicators, and future projections.

Currency & Settings
Select your preferred currency for calculations
USD - US Dollar ($)
Monthly Income Sources
Enter all sources of monthly income (before taxes)
$
$
$
$
Include all income sources before taxes and deductions.
Monthly Expenses by Category
Enter your monthly expenses in each category
Housing & Utilities
Recommended: ≤30% of income
$
$
$
Total: $0 (0% of income)
Transportation
Recommended: ≤15% of income
$
$
$
Total: $0 (0% of income)
Food & Dining
Recommended: ≤15% of income
$
$
Total: $0 (0% of income)
Healthcare
Variable based on needs
$
$
Total: $0 (0% of income)
Debt Payments
Minimize high-interest debt
$
$
$
Total: $0 (0% of income)
Savings & Investments
Recommended: ≥15% of income
$
$
$
Total: $0 (0% of income)
Miscellaneous
Entertainment, personal care, etc.
$
$
$
Total: $0 (0% of income)
Future Projection Settings
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Budget Management Best Practices

1

Follow the 50/30/20 Rule

Allocate 50% for needs (housing, utilities, food), 30% for wants (entertainment, dining out), and 20% for savings and debt repayment.

2

Build an Emergency Fund

Aim to save 3-6 months of expenses in an easily accessible emergency fund before focusing on other financial goals.

3

Track and Review Regularly

Monitor your spending monthly and adjust your budget as needed. Use this calculator to project future scenarios and make informed decisions.

4

Prioritize High-Interest Debt

Pay off credit cards and high-interest loans first, while making minimum payments on lower-interest debt like student loans.