This calculator is a planning tool. Your actual spending may vary, and some irregular or unexpected expenses may not be included.
How to use this calculator
Add each income source and expense using the frequency that matches real life. Weekly, every-two-weeks, twice-monthly, quarterly, six-month, and yearly entries are normalized automatically.
Handling irregular expenses
A $1,200 insurance bill every six months becomes $200 per month. A $3,000 yearly vacation budget becomes $250 per month. This keeps nonmonthly costs visible in the monthly plan.
About the 50/30/20 comparison
Default rows carry a starting classification, which you can change. Needs, wants, and savings-or-debt shares are informational; circumstances differ.
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Frequently asked questions
Is my budget sent anywhere?
Calculations run in your browser. If you explicitly enable saving, the detailed budget is stored in this browser's local storage.
Are every two weeks and twice a month the same?
No. Every two weeks means 26 payments a year; twice a month means 24.
Does savings count as an expense?
It reduces money remaining but is shown separately from living and debt expenses.