Example 1 — Surplus
- Income: 7,500
- Expenses: 5,800
Balance +1,700
Spending 77.3% · Savings 22.7%
A typical surplus for savings or extra debt repayment.
Household Budget
Monthly balance: income − expenses. Amounts follow the header currency.
The result is indicative. Amounts follow the header currency. This calculator does not replace individual financial advice.
Result
Enter data and click Calculate.
How results are calculated
Balance = income − expenses.
Spending share = expenses ÷ income × 100%.
Savings share = balance ÷ income × 100%. Values follow the header currency.
How to use the calculator
- Enter your total monthly income (net or gross — stay consistent).
- Enter your total expenses for the same month (fixed + typical variable costs).
- Click Calculate — you’ll see the balance, spending share, and savings share.
- If the result is a deficit, check DTI and the emergency fund calculator in related tools.
Usage examples
Example 2 — Break-even
- Income: 4,200
- Expenses: 4,150
Balance +50
Spending 98.8% · Savings 1.2%
A thin buffer — one bill can push you into deficit.
Example 3 — Deficit
- Income: 5,000
- Expenses: 5,900
Balance −900
Spending 118% · Savings −18%
A deficit calls for cutting expenses or extra income/credit.
FAQ
What does the budget balance mean?
The difference between monthly income and expenses — a positive balance is a surplus, negative is a deficit.
What are spending share and savings share?
The percentage split of income: how much goes to expenses, and how much remains as surplus (or is missing in a deficit).
Net or gross income?
The calculator works with either — just be consistent and use the same basis (net or gross) for both income and expenses.
What to do with a deficit?
Check which expenses can be trimmed, consider extra income, and compare your debt load with the DTI calculator.
What to do with a surplus?
Typically: build an emergency fund first, then pay down higher-cost debt or move to savings/investments.
Should irregular expenses be included?
Spread annual costs (insurance, gifts) into a monthly average so the balance stays realistic.
Which related tools help?
DTI to assess debt versus income, the emergency fund calculator to build a buffer, and cost of loan when planning a new obligation.
Where does the result currency come from?
From the page header. Changing the currency there updates the amount formatting in the result.