Budget calculator

Check whether your income covers expenses and a savings target.

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Budget calculator processes your input in this browser. Inputs and results are excluded from analytics. Recent tools save tool names, visit counts and last-visit times. Saved tools store only their names. Draft saving is optional and stays on this device; delete saved text with the draft controls. Loading text from a URL is optional and contacts that server; its URL and your IP address are visible to the server. An optional “Use in” action keeps a handoff in this tab. The next tool removes it on arrival and ignores it if more than a minute has passed.

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Income for the period

Expenses for the same period

More inputs and assumptions

Savings target

Answer

…

Remaining budget = income − expenses − savings target. A negative amount is a shortfall.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Step-by-step calculation

Inputs are substituted below. Each line evaluates the next operation; intermediate values are displayed to 12 significant digits while the calculation uses full precision.

Saved scenario

Save the current answer, then change an input to compare. This clears when you leave.

Formula and assumptions

Use one consistent period and currency, and income available after tax. This is a cash allocation worksheet, not advice about how much to save.

Automatic precision shows money to two decimal places and other numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

Scratch calculator

Check another calculation

Use +, −, ×, ÷, parentheses and %. A percentage is divided by 100. This does not change the main tool.

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Updated 2026-09-26

Using Budget calculator

Remaining budget = income − expenses − savings target. A negative amount is a shortfall.

Use one consistent period and currency, and income available after tax. This is a cash allocation worksheet, not advice about how much to save.

Next: Overtime calculator

A worked example

With income for the period = 4000, expenses for the same period = 3200, savings target = 500, the remaining after savings is 300.00 (rounded to two decimal places).

Next: Net worth calculator

Before you use the result

Use one consistent period and currency, and income available after tax. This is a cash allocation worksheet, not advice about how much to save. Calculations keep full browser-number precision. Money amounts are displayed to two decimal places; other results use up to 12 significant digits. Very large values may lose precision.

Example results for income for the period

These examples use Expenses for the same period: 3200; Savings target: 500. They are reference calculations, not recommended settings.

Income for the period	Remaining after savings
2000	-1,700.00
4000	300.00
8000	4,300.00

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ToolOctopus. “Budget calculator.” Updated 2026-09-26. https://tooloctopus.com/budget-calculator.

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