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Free Budget Calculator

This budget calculator is not intended to take the place of a thoughtfully planned budget, but it is a good starting point to get you to think about where your money is being spent, and about how much you should theoretically be able to put into savings each month.

Need a more comprehensive budget worksheet? Click here to download a more detailed Excel version of our budget analysis.


Monthly Gross Income (wages, alimony, child support, pensions, social security, etc.)

Income Deductions
Taxes (Federal, State, FICA, etc.)
Savings Plan (401k, 403b, ESPP, etc)
Other (medical, dental, vision, life insurance, etc.)
Total Income Deductions

Monthly Net Income

Expenses
Rent or Mortgage
Other Housing Costs (property taxes, home insurance, etc.)
Utilities (water, sewer, garbage, electricity, telephone)
Home Maintenance (laundry, toiletries, upkeep)
Transportation (car payment, bus or taxi fees)
Auto Upkeep (gas, insurance, license, parking)
Food (groceries, restaurant expenses, deliveries)
Clothes (and other related shopping expenses)
Books, Periodicals, Online Services (internet services)
Entertainment (cable, satellite, DVD and VHS rentals, theater, vacation, travel, etc.)
Debt (credit cards, school loans, boat loans, etc.)
Other Monthly Expenses (child care, housekeeping, hobbies, etc.)
Total Expenses

Amount Left Over to Save or Invest

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