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Only one number? Try the Monthly Budget Calculator

Monthly Budget Planner

Enter your take-home pay, then the costs you pay in a typical month. The calculator shows what you have left and what share of your pay the costs take up.

Your numbers

Your plan is ready.
Left after costs 
Total costs 
Share of pay used 

Scenario table

Each row changes one number by a tenth, and keeps the rest as you entered them.

ScenarioLeft after costsTotal costs

Scenario chart

The first result for each scenario, drawn to scale.

How to use this planner

Enter your numbers in the boxes. The results update as you type, using the same calculation as the calculator.

The scenario table shows what changes when one number moves. Use it to see which number has the most effect on your result.

Understanding the result

The results are estimates. They use only the numbers you enter, so they can differ from what a bank, lender, or adviser calculates.

Monica Tulips ยท Updated: October 31, 2026

About the author

Monica Tulips

Monica Tulips

Finance Writer, Moni Calculator Pro

Monica Tulips writes the personal finance, savings, and loan guides on Moni Calculator Pro. Each calculator's math is covered by automated tests before its page is published, and the guides explain that math in plain language.

Frequently asked questions

What if the amount left is negative?

Your costs are higher than your take-home pay. Look at the largest lines first, and find out which ones you can reduce or delay.

Should I include savings as a cost?

Yes, if you plan to save. Entering savings as a cost shows what is left for spending and makes the plan easier to follow.

How often should I update the budget?

Once a month works well, and again whenever a major bill or your income changes.

Does the budget include taxes?

Enter take-home pay after taxes and deductions. The calculator does not work out tax.

How can I find my costs?

Bank statements and bills show most of them. Cash spending is the hardest to track, so note it for a few weeks.