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Free Simple Budget Calculator

Add income and expenses to calculate your monthly surplus or deficit.

Income

$
Total Income: $3,000.00

Expenses

$
$
Total Expenses: $1,400.00

Monthly Summary

Income: $3,000.00
Expenses: $1,400.00
Monthly Balance: $1,600.00
You have a monthly surplus
Annual Projection: $19,200.00

Budget Breakdown

Budgeting Tips

  • Aim to save at least 20% of your monthly income
  • Consider using the 50/30/20 rule: 50% for needs, 30% for wants, 20% for savings
  • Track your spending regularly to identify areas where you can cut back
  • Build an emergency fund that covers 3-6 months of expenses

Common Budget Categories

Housing
  • • Rent or Mortgage
  • • Property Taxes
  • • Home Insurance
  • • Maintenance
Utilities
  • • Electricity
  • • Water
  • • Gas
  • • Internet
  • • Phone
Transportation
  • • Car Payment
  • • Insurance
  • • Fuel
  • • Maintenance
  • • Public Transit
Food
  • • Groceries
  • • Dining Out
  • • Coffee/Snacks
Health
  • • Insurance
  • • Medications
  • • Doctor Visits
  • • Gym Membership
Savings
  • • Emergency Fund
  • • Retirement
  • • Investments
  • • Specific Goals

About the Simple Budget Calculator Tool

The Simple Budget Calculator tool is a free online solution for tracking your income and expenses. With the Simple Budget Calculator, you can quickly see your monthly balance and annual projection. This tool is completely free and requires no login, making it accessible for everyone who wants to manage their budget quickly and securely.

Whether you are budgeting for yourself, your family, or a project, the Simple Budget Calculator tool streamlines your workflow by providing instant calculations. Enjoy unlimited usage with no login required and no hidden fees—just a simple, user-friendly interface for all your budgeting needs.

FAQ About the Simple Budget Calculator Tool

  • Is the Simple Budget Calculator tool free to use?
    The Simple Budget Calculator tool is completely free and does not require any login or registration.
  • Can I save my budget?
    Yes, your budget is saved locally in your browser for free with no login required.
  • Do I need to create an account to use the Simple Budget Calculator?
    No, you can use the Simple Budget Calculator tool instantly with no login required.
  • Is my data private?
    Absolutely. This free tool does not store your data on any server and requires no login.

How to Use the Simple Budget Calculator Tool

  1. Enter your income and expenses in the fields above in the Simple Budget Calculator tool.
  2. See your monthly balance and annual projection update automatically. The tool is free and requires no login, so you can use it as often as you like.
  3. Save your budget for later—no login or registration needed.
  4. Use this free tool as often as you like with no login required.