Budget Calculator
Enter your monthly income and total expenses to see whether you have a surplus or a shortfall. This high-level view helps you stay on track or spot when spending is out of line with income. No account needed—everything stays in your browser.
Monthly budget
How it works
Surplus = Income − Expenses. If the result is positive, you have money left over for savings or extra payoff. If negative, you are spending more than you bring in and may need to cut expenses or increase income. The calculator does not itemize categories—add your own expense total from rent, utilities, food, debt, and other recurring costs.
Example: Income $4,000 and expenses $3,200 gives a surplus of $800 per month. If expenses were $4,500, you would see a shortfall of $500.
When to use it
Use this at the start of the month to set a target or at the end to see how you did. Pair it with a detailed budget (spreadsheet or app) for categories; this tool gives the big picture in seconds.
Frequently asked questions
- What counts as income? Enter take-home pay and any other regular income (side gig, rent received, etc.). Use after-tax amounts for a realistic picture.
- Should I include savings as an expense? Yes. Treat savings or debt payoff as a fixed expense so your budget reflects what you actually allocate each month.