Free tool
Spending Analyzer
Enter your actual income and spending by category to see a visual composition of where your money really went. Add custom categories to match your statements.
Your numbers
Updates instantly as you type. Nothing leaves your browser.
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Surplus / deficit
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Results
Your personalized analysis
Surplus / deficit
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Savings rate
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Biggest category
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Expense ratio
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Key insights
Derived from your inputs, updates as you edit.
Visual breakdown
Allocation and comparisons at a glance.
Next steps
- Enter your numbers to see personalized advice.
Frequently asked questions
How does a budget calculator work?
Enter monthly income and total expenses. The calculator shows your surplus or deficit and expense ratio instantly.
Should I include savings in expenses?
Yes, if money already leaves your account for savings transfers. Otherwise, surplus shows how much you could save.
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