Monthly Budget Optimizer
Enter your income and monthly expenses to see exactly what you have left. Nothing is saved — all calculations happen instantly in your browser.
Monthly Income
Federal + state combined. 22% is typical for $40k–$89k/yr.
Housing
Transportation
Food
Health & Medical
Phone & Subscriptions
Savings & Debt
Personal & Other
Enter your monthly income above to see your full budget breakdown.
CommodityWatch is free to use
If this tool was useful, a small contribution helps cover server costs and keeps everything free for everyone.
How to Use This Budget Calculator
Start with your gross monthly income and estimated tax rate — the tool converts this to your real take-home pay. Then fill in expenses across seven categories: housing (rent or mortgage, utilities, internet), transportation, food, health and medical, phone and subscriptions, savings and debt payments, and personal spending.
The results panel updates instantly, showing your monthly surplus or deficit, a visual breakdown of where your money goes by category, and budget health checks against the 30% housing rule and the 20% savings guideline. All calculations happen in your browser — nothing is saved, no account required.
Who This Monthly Budget Planner Is For
This free personal finance calculator is useful if you're applying the 50/30/20 budgeting rule, trying to figure out how much disposable income you actually have, planning to start investing or paying off debt, or just want to understand your monthly cash flow before making a financial decision.
Unlike budgeting apps, there are no accounts, no tracking, and no data leaves your device. Once you know your monthly surplus, use the What If Simulator to see what that money could become over 5, 10, or 25 years — whether you invest it in an index fund, pay off debt, or save toward a goal.
Disclaimer: The results produced by this tool are for general educational and illustrative purposes only. They do not constitute financial advice and should not be relied upon when making budgeting, saving, or financial planning decisions. All calculations use the figures you enter and apply simplified rules — they do not account for variable income, irregular expenses, taxes owed, or other individual circumstances. If you need personalised guidance, consult a qualified financial adviser.