Free monthly budget calculator. Track income and expenses, set savings goals, and see spending breakdown with charts. 50/30/20 rule built in. | No signup · Data never leaves your device
Zero dependency · Works offline50% Needs: Rent, utilities, groceries, insurance, minimum debt payments — essentials you can't avoid.
30% Wants: Dining out, entertainment, hobbies, subscriptions — things you enjoy but don't need.
20% Savings: Emergency fund, retirement, investments, extra debt payments — building your future.
A monthly budget calculator helps you track income against expenses, visualize spending categories, and plan savings. Using the 50/30/20 rule as a guideline, it shows whether you're overspending on wants or undersaving for the future.
Enter your monthly take-home pay, then add expenses by category. The tool calculates totals, shows a visual bar chart breakdown, and highlights your savings rate and adherence to the 50/30/20 rule.
Is my data safe? All calculations run locally in your browser. Data never uploads to any server.
What's included in "needs" vs "wants"? Needs are essential living expenses; wants are discretionary. The tool auto-categorizes based on your selections.