Plan your monthly budget by tracking income and expenses across categories.
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Remaining = Income - (Housing + Food + Transport + Utilities + Insurance + Debt + Other). Savings rate = Remaining / Income x 100.
A common benchmark is 20% of take-home income. Anything consistently above 10% puts you ahead of most households; below 5% usually means the debt or housing line needs attention.
Start with the biggest variable line (usually food, transport, or subscriptions), then attack the highest-rate debt. A deficit of even 5% of income, fixed, changes the trajectory of the whole plan.