Enter your monthly income and each expense category. The calculator shows your surplus or deficit, savings rate and a visual breakdown of spending.
It totals your income and your expenses, then subtracts expenses from income to show whether you have a surplus to save or a deficit to fix.
Many planners suggest saving at least 20% of income, following guides like the 50/30/20 rule. The right rate depends on your goals and cost of living.
A deficit means you spend more than you earn. Cut discretionary expenses, increase income, or both, until expenses fall below your monthly income.
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