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Monthly Budget Calculator

Add monthly income, expenses and planned savings to see your available balance, spending share or budget shortfall.

Your inputs

₹ INR
Choose the currency for your amounts. Values are not exchange-rate converted.
YOUR RESULT

Available monthly balance

₹10,000.00

This is the balance after your entered expenses and planned savings.

Income
₹80,000.00
Total expenses
₹55,000.00
Planned savings
₹15,000.00
Expenses / income
68.75%
Calculation method & assumptions

Available balance = take-home income − expenses − planned savings. Each expense is also shown as a share of income.

Use monthly figures consistently. A negative available balance indicates spending and savings plans exceed income.

Detailed breakdown

9 rows
CategoryMonthly amountShare of income
Housing₹20,000.0025%
Food₹8,000.0010%
Transport₹5,000.006.25%
Utilities₹4,000.005%
Insurance₹3,000.003.75%
Loan payments₹10,000.0012.5%
Other expenses₹5,000.006.25%
Planned savings₹15,000.0018.75%
Available balance₹10,000.0012.5%
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HOW IT WORKS

Three steps. Ready for what’s next.

01

Enter your inputs

Use the labelled fields and select the assumptions or dates that apply to your calculation.

02

Review the result

Results update as inputs change. Check the breakdown, calculation method and assumptions.

03

Copy or download

Copy a summary or download the calculation breakdown as a CSV.

About Monthly Budget Calculator.

How monthly budget is calculated

Available balance = take-home income − expenses − planned savings. Each expense is also shown as a share of income.

What the result means

Add monthly income, expenses and planned savings to see your available balance, spending share or budget shortfall.

Assumptions and scope

Use monthly figures consistently. A negative available balance indicates spending and savings plans exceed income.

Using the calculator

Enter monthly take-home income, housing, food, transport, utilities, insurance, loan payments, other expenses, planned savings. Change the values to compare results. Calculations run in your browser. No account is required.

A LITTLE CLARITY

Good questions. Simple answers.

A few helpful answers before you get started.

Do I need an account?

No. This tool is open to everyone without signing in.

Does this tool need the internet?

Your inputs are calculated in this browser. Load the tool online before using it offline.

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