Monthly Budget Calculator
حاسبة الميزانية
Enter your monthly income and expenses to see whether you have a surplus or deficit, your savings rate and where most of your money goes.
Calculated in your browser. Your data is never sent to a server.
Result
Enter your income and expenses.
Managing money starts with seeing the numbers clearly. Add as many income and expense lines as you like, name them your way, and the result updates instantly.
Your data stays in your browser and the page link only, so nobody sees it unless you share the link yourself.
What we calculate
- Total income and total expenses.
- Surplus or deficit = income − expenses.
- Savings rate = surplus ÷ income × 100.
- Each item's share of income, from largest to smallest.
Formulas
Balance = total income − total expensesSavings rate = balance ÷ income × 100%
Worked examples
10,000 income, 5,000 expenses
With 3,000 housing and 2,000 food, the surplus is 5,000, a 50% savings rate, and housing takes 30% of income.
A deficit
1,000 income and 1,500 expenses is a 500 monthly deficit; the tool lists the largest items to start with.
Frequently asked questions
What is the 50/30/20 rule?
A popular guideline: about 50% for needs, 30% for wants and 20% for savings and debt repayment. Adapt it to your situation.
What about yearly expenses?
Divide them by 12 and enter them as a monthly line, e.g. school fees or insurance.
Is my data saved?
Nothing is stored on our servers. Inputs live in the page link so you can come back.
Content last reviewed: November 1, 2026