FTF Finance / Everyday planning
Monthly budget calculator
Bring your monthly income, spending, and planned savings together to see what remains—or where a shortfall appears.
Your monthly budget
Enter monthly amounts in one currency. Currency changes do not convert amounts.
Budget overview
Monthly take-home income
USD 4,000.00
Monthly spending
USD 2,500.00
Planned monthly savings
USD 500.00
Remaining before savings
USD 1,500.00
Total spending + savings
USD 3,000.00
Unallocated after savings
USD 1,000.00
You have USD 1,000.00 per month not yet allocated to spending or savings.
Monthly allocation summary
- Spending as a share of income
- 62.5%
- Planned savings as a share of income
- 12.5%
Percentages describe your entries; they are not prescribed targets. They can exceed 100% when allocations exceed income.
Spending breakdown
- HousingUSD 1,200.00
48.0% of spending
- UtilitiesUSD 200.00
8.0% of spending
- GroceriesUSD 400.00
16.0% of spending
- TransportUSD 250.00
10.0% of spending
- Debt paymentsUSD 300.00
12.0% of spending
- Other spendingUSD 150.00
6.0% of spending
Monthly take-home income
Use money available after taxes and payroll deductions.
USD 4,000.00
1 of 25 entries
Monthly spending
Include bills, purchases, and debt payments. Use a monthly provision for irregular costs.
USD 2,500.00
6 of 25 entries
Planned monthly savings
Include savings funded from the take-home income entered here, not deductions already removed from it.
USD 500.00
2 of 25 entries
Assumptions and limitations
All entries are monthly amounts. The remaining balance equals take-home income minus spending minus planned savings. Savings allocations are shown separately from spending.
Use income after taxes and payroll deductions. Do not subtract those same deductions again as spending or savings. Include only savings contributions funded from the income entered here.
Include each outflow once. For example, avoid counting both credit-card purchases and the payment covering those same purchases. Payments toward older card debt may be listed separately.
For irregular bills, enter a consistent monthly provision, such as one-twelfth of an annual bill. This is a planning estimate, not a record of bank transactions or a cash-flow calendar. A positive monthly balance does not ensure funds are available on every bill date.
No interest, investment returns, forecasts, automatic tax calculations, or prescribed spending percentages are included. A shortfall is a valid result, not an input error.
Each section supports up to 25 entries, with a maximum of 100,000,000 per entry. Empty lists count as zero. Amounts use integer currency minor units; displayed percentages are rounded.
Use one currency throughout. Currency changes do not convert amounts. Entries remain in page state only and reset on refresh; this implementation does not save them to an account or database.
Example amounts are illustrative. Educational estimate only, not personalized financial advice.