How to use this calculator
- Enter monthly take-home income, essential spending, discretionary spending, saving and extra debt allocation.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
All inputs cover the same month. Saving is an allocation, not a consumption expense. Include regular debt payments within essential spending and avoid counting them twice.
Worked example
Income of 4,000 less allocations of 2,000 + 800 + 700 leaves 500 unallocated.
What the result means
A negative unallocated balance signals that the entered plan exceeds take-home income. The tool does not impose a universal spending rule.
Common questions
Should I enter gross salary?
No. Enter money actually available after payroll deductions.
Is a saving allocation an expense?
It uses your monthly cash but is shown as a separate allocation rather than consumption.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.