Monthly Budget
Set your income, adjust your expenses, and see exactly what you have left each month.
0300 000
🏠 Rent / Mortgage 27%
🛒 Food & Groceries 11%
🚗 Transport 7%
🛡️ Insurance 4%
💡 Utilities 3%
📱 Phone & Internet 2%
🎬 Entertainment 2%
🏥 Health & Medical 1%
👕 Clothing 1%
🏦 Savings 4%
Other Expenses
Rent / Mortgage Food & Groceries Transport Insurance Utilities Phone & Internet Entertainment Health & Medical Clothing Savings Left over
Monthly Income
45,000
Total Expenses
28,300
63% of income
Left Over
16,700
37% of income
Expense Breakdown
| Category | / Month | / Year | % of Income |
|---|---|---|---|
| 🏠 Rent / Mortgage | 12,000 | 144,000 | 26.7% |
| 🛒 Food & Groceries | 5,000 | 60,000 | 11.1% |
| 🚗 Transport | 3,000 | 36,000 | 6.7% |
| 🛡️ Insurance | 2,000 | 24,000 | 4.4% |
| 💡 Utilities | 1,500 | 18,000 | 3.3% |
| 📱 Phone & Internet | 800 | 9,600 | 1.8% |
| 🎬 Entertainment | 1,000 | 12,000 | 2.2% |
| 🏥 Health & Medical | 500 | 6,000 | 1.1% |
| 👕 Clothing | 500 | 6,000 | 1.1% |
| 🏦 Savings | 2,000 | 24,000 | 4.4% |
| Total Expenses | 28,300 | 339,600 | 62.9% |
| Left Over | 16,700 | 200,400 | 37.1% |
How to use the budget calculator
Enter your monthly take-home income (after tax), then adjust the sliders for each expense category to match your actual spending. The "Left Over" figure updates instantly. Add custom rows for any expense not covered by the default categories.
The 50/30/20 rule
A common budgeting guideline suggests spending 50% of income on needs (rent, food, utilities), 30% on wants (entertainment, clothing, dining out) and saving 20%. Use the breakdown table to see what percentage each category takes and spot areas to cut back.