A simple monthly budget that keeps the “big rocks” obvious: housing, bills, debt, savings, and investing.
Enter what you actually pay each month, then use the summary to see what’s left, your savings rate, and how you compare to 50/30/20.
Inputs stay in your browser.
Monthly view + annual equivalents
Fixed vs Variable • Needs/Wants/Savings
Copy summary + saved inputs
Mode: Planning estimate
1) Income
Monthly (net) recommended
Use take-home pay after tax/benefits. If you only know gross, use the advanced estimate.
Side income, freelance, support, etc.
Advanced: convert gross → net (optional)Estimator
Optional gross-to-net estimate: this is intentionally simple and meant for quick planning only.
If you already entered net income above, you can ignore this section.
Federal + state + payroll + benefits (rough).
The button will set Net income (monthly) = (gross × (1 − %)) ÷ 12.
2) Housing
Rent or mortgage
3) Bills & Essentials
Core monthly costs
4) Debt Payments
Minimums + extra
5) Savings & Investing
Pay yourself first
Use this for predictable irregular expenses.
6) Lifestyle
Subscriptions + discretionary
Optional: custom line itemsUp to 5
Add anything you don’t see above. Choose category so the tool can classify it in the summary.
Tip: If you want a “paycheck mode” later (weekly/biweekly), we can add a toggle that divides the monthly plan into per-paycheck targets.
Results
—
Monthly leftover:$— • Savings rate:—%
Total income
$—
Net + other (monthly)
Total expenses
$—
All categories (monthly)
Savings + investing
$—
Emergency + retirement + investing + sinking
Fixed costs
$—
Housing + utilities + debt mins, etc.
Needs (target 50%)—% • $—
Wants (target 30%)—% • $—
Savings/Investing (target 20%)—% • $—
Annual leftover (run rate)$—
Annual expenses (run rate)$—
Category
Monthly
Annual (run rate)
Group
Type
Run a calculation to see the breakdown.
Interpretation guideHow to use this
How to read the summary:
• Leftover is what remains after expenses and your savings/investing allocations. A negative leftover means you are over budget.
• Fixed costs tend to be harder to change quickly; keep them reasonable relative to income.
• 50/30/20 is a benchmark, not a rule. High-cost cities often push “needs” higher; the main objective is a sustainable savings rate.
Important: Educational planning tool only. This does not replace financial advice. Your actual cash flows may vary due to irregular/seasonal expenses—use “sinking funds” to smooth those out.
