Free calculator · no account required
Free Monthly Budget Calculator
Plan your monthly income, organize expenses, and see how much money you have left.
Monthly income
Planned expenses
Your estimate
Monthly income
$0.00
Planned expenses
$0.00
Remaining balance
$0.00
Surplus
Savings guideline
$0.00
Monthly income vs planned expenses
Planned expenses are not recorded transactions
Take the next step
Turn your budget into a plan you can follow.
Track actual spending and monitor categories throughout the month. GridHub Budget is free.
Free Budget · no card required
How this calculator works
Income and planned expense amounts are summed in the selected currency. Category shares use total planned expenses as the denominator; when that total is zero, shares are zero. This is a plan, not a record of actual transactions. Enter estimates that match your situation. All amounts stay in the currency selected above, and calculations update locally as you edit.
Example
Use the starting values as a simple example, then replace them with your own assumptions. The results are illustrative and may differ from actual outcomes.
Limitations
This free tool provides estimates for planning and education. It does not account for every lender, tax jurisdiction, contract, fee, or personal circumstance. Verify important decisions independently.
Frequently asked questions
Is this a record of actual spending?
No. This calculator totals amounts you plan to spend. GridHub's budget tool can help organize transactions separately.
What does 50/30/20 mean?
It is an illustrative guideline that divides take-home income among needs, wants, and savings or debt repayment. It is optional and not a rule for every household.
What if my expenses exceed income?
The result shows a negative remaining balance so you can see the estimated monthly shortfall.
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Planning estimate only. Confirm financial, investment, and tax decisions with qualified professionals where appropriate.