Monthly Budget Calculator
Needs, wants and savings against income, compared with the 50/30/20 guide. Results update as you type.
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Needs
Wants
Savings
Results
Fill in the details above and the results appear here.
About the Monthly Budget Calculator
Plan a monthly budget by entering your income and spending in three groups: needs, wants and savings. See how much is left, your savings rate, and how your split compares with the 50/30/20 guide.
It is meant to show where your money goes, so you can move it on purpose.
Choose your currency (₹, $, €, £ and more) and every amount updates. The calculation runs in your browser, so the numbers you enter are not uploaded.
Monthly Budget Calculator example
Monthly income after tax: 80000
Rent or home loan: 22000
Groceries: 9000
Utilities, phone and internet: 4000
Transport and fuel: 4500
Insurance premiums: 2500
Other loan repayments: 3000
Eating out and entertainment: 6000
Shopping and personal care: 5000
Subscriptions: 1200
Travel and other wants: 4000
Savings and investments: 12000Left over each month: ₹6,800
Needs: ₹45,000
Wants: ₹16,200
Savings and investments: ₹12,000
Savings rate: 15%
Needs (guide 50%): 56.3%How it is calculated
Needs, wants and savings are each totalled and shown as a share of income. Left over is income minus all three. The 50/30/20 guide suggests about 50% for needs, 30% for wants and 20% for savings and debt repayment.
Left over = income − needs − wants − savingsEach share = category total ÷ income × 10050/30/20 guide: about 50% needs, 30% wants, 20% savings and debt repayment
How to use the Monthly Budget Calculator
- Fill in the fields above. Required fields are marked, optional ones can be left blank and fall back to the defaults described on this page.
- Use “Try an example” to see a worked case, then replace the numbers with your own.
- Read the results as you type. The large card is the main answer and the smaller cards are the related figures.
- Copy a single value or everything, or share a link that keeps your inputs.
Monthly Budget Calculator FAQ
How does the monthly budget calculator work?
Needs, wants and savings are each totalled and shown as a share of income. Left over is income minus all three. The 50/30/20 guide suggests about 50% for needs, 30% for wants and 20% for savings and debt repayment.
What is the 50/30/20 rule?
A simple guideline: about half of take-home pay for needs, 30% for wants and 20% for saving or paying down debt. It is a starting point, not a rule. In expensive cities needs often take more.
Where should loan repayments go?
Minimum EMIs are shown under needs here. Extra repayments you make by choice can be counted as savings.
Is this monthly budget calculator free and private?
Yes. It is free with no sign-up, and the calculation happens on your device, so your numbers are never sent to a server.
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