FREE TOOL / NO ACCOUNT

Give every month
a clearer picture.

Enter monthly totals in US dollars. This tool subtracts your planned spending and savings from take-home income.

No bank connection. Your numbers are not sent by this application or saved between visits. Estimates only; this is not financial advice.

What the number means

A positive amount is income you have not allocated. A negative amount means the plan exceeds the income entered. The calculator does not recommend borrowing, investing, or a specific savings target.

Include the less obvious costs

Use consistent monthly amounts. Include debt payments and irregular bills in the spending totals without double-counting them. This simple calculation does not forecast interest, taxes, inflation, or future income.