Budget Calculator
Plan income vs expenses with a 50/30/20 style breakdown.
How to use this tool
- Add income rows (salary, side gigs).
- Add expense rows and group them as Needs, Wants or Savings.
- See totals per group and the monthly surplus.
- Export the plan to CSV.
How it works
Surplus = total income - total expenses. Group percentages display relative to income and compare to your chosen allocation benchmark.
Tips
- Review variable costs like groceries — they drift most.
- Treat savings as an expense that comes first.
- Quarterly bills: divide by 3 and set aside monthly.
Limitations
Manual entry — no bank connections, by design (and safer for privacy).
Frequently asked questions
What is the 50/30/20 rule?
Needs 50%, wants 30%, savings 20% of after-tax income. The calculator compares your actual spending to that benchmark.
Can I add my own categories?
Yes — add, remove and rename grouped rows of income and expenses.
How do I keep a record?
Export the summary as CSV and clear the form for next month.