Budget Calculator Tool
Take control of your finances with our free budget calculator. Track income, expenses, and savings with monthly or annual views.
Budgeting Tips
- • Follow the 50/30/20 rule (needs/wants/savings)
- • Track expenses for at least one month
- • Set realistic budget goals
- • Review and adjust monthly
- • Include emergency fund in savings
- • Use actual numbers, not estimates
Budget Calculator
Calculate your monthly or annual budget based on your income and expenses.
Income
Expenses
Total Monthly Income
$0.00
Total Monthly Expenses
$0.00
Monthly Balance
$0.00
How to Use the Budget Calculator
Track Your Income:
- • Add all income sources (salary, freelance, etc.)
- • Choose monthly or annual frequency
- • Include bonuses and irregular income
- • Use net income (after taxes)
- • Add new income sources as needed
Record Expenses:
- • Categorize all your expenses
- • Include fixed costs (rent, insurance)
- • Add variable costs (food, entertainment)
- • Don't forget savings as an "expense"
- • Be honest and comprehensive
View & Export:
- • Switch between monthly/annual views
- • Check your balance (income - expenses)
- • Export to CSV for spreadsheet use
- • Generate PDF reports for records
- • Review regularly and adjust
💡 Financial Planning Tips:
Healthy Budget Ratios:
- • Housing: 25-30% of income
- • Transportation: 10-15% of income
- • Food: 10-15% of income
- • Savings: 20% of income
Budget Success Strategies:
- • Start with fixed expenses first
- • Use actual bank/credit card data
- • Plan for irregular expenses
- • Review and adjust monthly
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