Budget calculator
Choose how much of your monthly income goes to needs, wants and savings. Adjust the shares to fit your budget.
Your details
Your results
Estimated monthly take-home from $75,000 annual pay. Includes federal income tax, Social Security and Medicare. State and local taxes are excluded.
Shared links include the numbers you enter.
How to use this tool
- Enter monthly take-home pay or calculate it from salary using the available tax coverage.
- Choose a budget rule or set percentages that add to 100%.
- Switch periods or add actual monthly amounts to compare with your plan.
How we calculate it
Divides take-home pay into the shares you choose. The 80/20 option groups spending together and separates savings. Each pay period is allocated separately to the nearest cent.
Actual comparisons always use monthly targets, including when planned amounts show a year or a paycheck. Spending below its plan is under budget; savings above its plan are ahead of target.
Budget shares are editable planning choices. Salary mode estimates annual taxes and spreads net pay across the selected schedule. Actual employer withholding can differ.