Budget Calculator

Income Sources

Monthly Salary ($)

Additional Income ($)

Monthly Bonuses ($)

Investment Income ($)

Living Expenses

Housing ($)

Utilities ($)

Groceries ($)

Transportation ($)

Discretionary Expenses

Entertainment ($)

Shopping ($)

Dining Out ($)

Travel ($)

Financial Goals

Emergency Fund ($)

Retirement ($)

401(k) ($)

Debt Payment ($)

Budget Summary

Total Income

$0.00

Total Expenses

$0.00

Total Savings

$0.00

Surplus/Deficit

$0.00

Expense Ratio

0.0%

Savings Ratio

0.0%

Budgeting Tips

50/30/20 Rule

50% for needs (essential expenses)
30% for wants (discretionary spending)
20% for savings and debt repayment

Emergency Fund

Aim for 3-6 months of expenses
Keep in easily accessible account
Start small and build gradually
Review and adjust regularly

Saving Strategies

Pay yourself first
Automate savings
Cut unnecessary expenses
Track spending habits
Review subscriptions regularly