Budget Planner
Plan your monthly budget by listing income and expense categories. See total expenses, remaining surplus, and a percentage breakdown of spending.
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Expense Categories
$
$
$
$
$
Remaining (Surplus)
$1,350
Monthly Income
$4,000
Total Expenses
$2,650
Spending Breakdown
Housing
$1,500 (56.6%)
Food
$500 (18.9%)
Transport
$300 (11.3%)
Utilities
$200 (7.5%)
Entertainment
$150 (5.7%)
How to Use the Budget Planner
Enter your monthly income, then list your expense categories with their amounts — housing, food, transport, utilities, and anything else you spend on. The calculator totals your expenses, shows how much is left over (or how far you're over budget), and breaks down what percentage of your spending goes to each category. Add or remove rows to match your own budget.
Example
With a monthly income of $4,000 and expenses of $1,500 (housing), $500 (food), $300 (transport), $200 (utilities), and $150 (entertainment), total expenses come to $2,650, leaving a surplus of $1,350. Housing makes up about 57% of total spending, the largest single category.
Common Use Cases
- Building a monthly budget to control discretionary spending.
- Spotting which expense category is eating the largest share of income.
- Checking whether income comfortably covers fixed and variable costs before committing to a new expense.
- Planning how much can realistically be saved or invested each month.
FAQs
What if my expenses exceed my income?
The remaining amount will show as negative, meaning you're spending more than you earn. Review the percentage breakdown to identify which categories to trim first.
Should I include savings as an expense category?
Yes — many budgeting methods (like "pay yourself first") treat savings and investments as a fixed line item, not just whatever is left over. Add a "Savings" row with your target amount.
How many expense categories should I track?
There's no fixed number — start broad (housing, food, transport, utilities, discretionary) and split categories further only if you need more visibility into where money is going.