Budget Calculator
Enter income and category amounts. The page totals allocations, remaining cash, and each category as a percent of income. Informational budgeting arithmetic, not financial advice.
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How to build a simple budget
- Enter take-home income for the same period as your expenses (month is typical).
- Enter housing, food, transport, utilities, and other amounts.
- Confirm category totals do not exceed income.
- Read remaining cash and each category share of income.
- Adjust categories as needed. This is not financial advice.
Simple budget allocation
Income minus category totals
| Allocated | Sum of category amounts |
|---|---|
| Remaining | Income - allocated |
| Share | Category / income |
| Categories | Housing, food, transport, utilities, other |
| Overspend rule | Categories cannot exceed income |
| Advice | Informational. Not financial advice. |
What this budget page tracks
Five spending buckets plus income. The job is to see what is left and how large each bucket is relative to income. It is not a bank sync or envelope app.
How remaining cash is computed
Allocated = housing + food + transport + utilities + other. Remaining = income - allocated. Each positive category also shows amount and percent of income. Negative categories are rejected. Totals above income raise an error.
Related pages
Assets minus debts: net worth. Rent math: prorated rent and net effective rent. More under business calculators.
Use cases
Monthly spending sketches. Checking whether housing is a large share of take-home pay. Teaching percent-of-income without a spreadsheet.
Worked example
$5,000 income with $1,600 housing, $600 food, $400 transport, $250 utilities, and $500 other allocates $3,350 and leaves $1,650. Housing is 32% of income on that sketch.
Limits
No debt snowball, no savings goals, no currency conversion. Informational, not financial advice. See the disclaimer.