A monthly budget that adds up.
Put your pay and plans on the same page. See what is left after everyday costs, irregular bills, and savings.
Free calculator. No account or bank connection. Your entries stay in this page and are cleared when you reload it.
Your monthly plan
Start with your take-home pay
Add your income to see your plan.
Fictional example — replace these amounts with your own.
- Average monthly income
- Monthly spending
- Reserve for irregular costs
- Savings target
An annual average, not a balance for this week.
Read the result in context.
Monthly income minus spending, an irregular-cost reserve, and your savings target gives the amount still unassigned. A negative result means those plans do not fit within the income entered.
Weekly pay is multiplied by 52 and divided by 12; pay every two weeks uses 26 paydays; twice-monthly pay uses 24. These averages do not show exactly when money arrives. Check paydays and bill dates before deciding what you can spend.
Use take-home income, include costs that only happen a few times a year, and do not count the same purchase again when paying its credit-card bill. Currency selection changes formatting only; it does not convert currencies.
For practical worksheets, see the CFPB budgeting toolkit. This calculator is a planning estimate.
Keep your plan close.
Sprout brings spending, budgets, cash flow, net worth, and a weekly spending review together on iPhone. Explore fictional sample data before connecting a bank.
Free to download and try. Pro: US $1.99/month, auto-renewing through Apple. Requires iOS 17+. Calculator entries are not imported into the app.