Monthly money

Household Budget Calculator

See where your monthly money goes, how much you save and how long your emergency fund could last.

Budget detail

Use take-home amounts after taxes and payroll deductions.

Monthly take-home income

Enter an amount, including zero if none

Essential spending

Housing, food, healthcare, transportation and minimum debt payments.

Flexible spending

Savings from take-home pay

Savings already deducted from your paycheck

For example, 401(k), 403(b), 457, TSP or HSA contributions. We will not subtract these from your take-home pay again.

Current emergency fund

Leave blank if you do not know the balance.

Mortgage principal paid each month

Optional. Counted as wealth accumulation, not liquid savings.

Correct the highlighted fields to see results.