Spending Calculator

Plan your month with categories, quick targets, and a live summary. Your data stays in your browser (local only).

Planned total
$0.00
Left after spend
$0.00

The 50/30/20 split is a common heuristic. Use it as a starting point and adjust for your situation.

Category
Group
Amount
Actions
Monthly Total
$0.00
Needs
$0.00
Wants
$0.00
Savings/Debt
$0.00
Other
$0.00
Heuristics
Enter monthly take-home income to see target amounts.
Pro tips:
  • Audit recurring charges (subscriptions, memberships) quarterly.
  • Automate transfers on payday (“pay yourself first”).
  • Use “buckets” or sinking funds for irregular bills.
Subscriptions auditPay yourself firstSinking funds

How this tool helps

  • Track **Needs / Wants / Savings** and see shares vs income.
  • Use **50/30/20** as soft targets or set your own percentages.
  • Export CSV for budgets, taxes, or sharing with an advisor.

The 50/30/20 guideline is a popular budgeting heuristic (50% needs / 30% wants / 20% savings & debt). Government consumer guides also recommend listing income and expenses monthly and adjusting as you review actuals. Sources: CFPB monthly budget worksheets and consumer education; general 50/30/20 budgeting explainers.

Tips for better results

  • Do a **subscriptions audit** each quarter.
  • Automate transfers on payday (“**pay yourself first**”).
  • Use **bucketed accounts** (bill-pay, spending, sinking funds) to prevent overspend.