Monthly Budget Calculator
Plan your month in minutes. Enter your income, set spending limits by category, and instantly see your budget breakdown — free, private, no account needed.
How to use the budget calculator
Three simple steps to a balanced monthly budget
Enter your income
Start by typing your monthly take-home pay — the amount you actually receive after tax and deductions.
Allocate your spending
Distribute your income across categories like housing, food, and transport. Add custom categories for anything unique to your lifestyle.
Review & balance
Watch the chart update in real time. Adjust amounts until your remaining balance hits zero — or keep a surplus for savings.
💡 Try the 50/30/20 rule
A popular budgeting framework: put 50% of your income toward needs (housing, food, transport), 30% toward wants (entertainment, dining out), and save 20%. Use this calculator as a budgeting tool to see how your spending stacks up.
Want to track your real spending automatically?
Yomio takes budgeting to the next level — scan receipts with your camera, let AI categorize every expense, and get a smart Copilot that spots patterns and helps you spend less.
- 📷 OCR receipt scanning in seconds
- 🤖 AI Copilot for spending insights
- 📊 Real-time expense analytics
- 🔔 Smart budget alerts
AI Copilot: Your grocery spending is 12% above last month. Want tips?
About this budgeting tool
This free monthly budgeting tool helps you create a realistic spending plan in minutes, right in your browser. No account required, no data stored — your budget stays completely private. Use it as a monthly budget calculator to allocate income across housing, food, transport, savings, and more. The budget planner updates in real time so you can experiment with different scenarios and find a balance that works for your lifestyle. Whether you are building your first personal budget, reviewing finances after a pay rise, or looking for a simple expense tracker to reality-check your spending, this tool gives you a clear picture fast. For deeper insights — like automatic receipt scanning, AI-powered categorization, and month-over-month trend analysis — explore the Yomio mobile app.
For deeper, ongoing insights — including automatic receipt scanning, AI-powered categorization, and month-over-month trend analysis — explore the Yomio expense tracking app. It turns your one-off budget plan into a continuous, intelligent financial habit.