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Personal Finance/Family Budget Calculator

Family Budget Calculator

Track monthly income and expenses — see your surplus, savings rate, and subscription waste.

MONTHLY12 categories50/30/20 ruleSavings rateSurplus tracker
Monthly Income
$
Monthly Expenses
$
$
$
$
$
$
$
$
$
$
$
$
$1,545monthly surplus
✓ Savings rate: 23.8%
📊 Budget Summary
Monthly Income$6,500
Total Expenses−$4,955
Surplus$1,545
Savings Rate23.8%
Subscription Spending$205
✅ Great job! You're saving 23.8% of your income — above the recommended 20%.
Where Your Money Goes
🏠 Housing (Rent/Mortgage)$1,800
🛒 Groceries & Dining$800
💰 Savings & Emergency Fund$500
🚗 Transportation$400
🏥 Healthcare & Fitness$300
💳 Debt Payments$300
💡 Utilities (Gas, Electric, Water)$250
🛡️ Insurance (Auto, Life)$200
🎬 Entertainment$200
📱 Phone & Internet$120
📺 Subscriptions & Streaming$85
Data Source & Legal Disclaimer
Effective: 2026Last updated: 6 months agoUpdate: Annual
Sources: BLS — Consumer Expenditure Survey

Based on average US household spending patterns from the BLS Consumer Expenditure Survey. Actual costs vary by location and family size. This is for planning only.

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