Advanced Budget Calculator

Build a realistic spending plan that fits your life. Enter income and expenses and tag each as needs wants debt or savings. See instant cash flow savings rate and debt to income. Compare to the 50 30 20 rule and set a savings goal.

Income
Source Amount (per month)
Total Income 0.00
Expenses
Tag each as Needs, Wants, Debt, or Saving
Item Type Amount (per month)
Total Needs 0.00
Total Wants 0.00
Total Debt 0.00
Total Saving 0.00
All Expenses 0.00
Summary
  • Net Cash Flow 0.00
  • Savings Rate 0.00%
  • Debt-to-Income (DTI) 0.00%
  • Savings Goal Progress 0.00%
Guide (50/30/20): Needs ≈ 0.00 Wants ≈ 0.00 Saving ≈ 0.00
Tips
  • If DTI > 36%, reduce debt payments by refinancing or paying down high-interest balances.
  • Aim for 20% saving (or more) if feasible; start smaller and escalate monthly.
  • Cut recurring “wants” (subscriptions, dining out) to improve net cash flow.
  • Use Yearly mode to ensure irregular costs (insurance, travel, school fees) are budgeted.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.