Budget calculator.
Enter your monthly income, split it across categories and instantly see whether your plan fits healthy-budget guidelines — and how much stays free.
Allocation
My lines
These count toward the “Other” threshold.
Method
How is this calculated?
The percentages are guidelines based on take-home pay — not strict rules. They draw on widely used budgeting principles: Ramsey's advice to keep housing under 25%, the classic 50/30/20 split, NerdWallet and WalletHub's ranges for food and transport. Every situation is different — treat them as a reference point, not a verdict.
| Category | Recommended share | Still acceptable |
|---|---|---|
| Housing | up to 25% | up to 30% |
| Utilities | up to 10% | up to 15% |
| Transport | up to 15% | up to 20% |
| Food | up to 15% | up to 20% |
| Savings | at least 20% | at least 10% |
| Debt | up to 15% | up to 25% |
| Other | up to 30% | up to 40% |
In the app this calculator fills itself in — from your real spending.
Questions
Frequently asked questions.
How much of my income should go to housing?
A widely used guideline is up to 25% of take-home pay; up to 30% is still acceptable. In big cities rents often push this higher — the more housing takes, the more deliberately the other categories need to shrink.
What is the 50/30/20 rule?
A classic budget split: roughly 50% for needs (housing, bills, food), 30% for wants and 20% for savings or debt payments. Our recommended split builds on the same principles, just broken into more practical categories.
Does the calculator store my data?
Your numbers stay in your browser only — nothing is sent to a server. When you come back, your last calculation is right where you left it, and “Start over” clears it.
What if my expenses exceed my income?
Start with the biggest categories — housing and transport — where even a small cut counts the most. In “What if?” mode you can safely test changes and immediately see what they'd add up to per year.