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Monthly budget calculator
Enter your monthly income and up to eight spending categories. See what is left to assign and how your spending compares with the 50/30/20 rule.
- Free to use
- No sign-up
- Runs in your browser
- Nothing you type is sent anywhere
Income and spending
Your budget
Want to save this and come back to it? Storm Budget keeps everything on your own device. See Storm Budget.
Keep this budget working every month
A one-off budget is a good start. Storm Budget tracks every dollar against it, warns you before you overspend and shows how your month is really going.
- Monthly budgets with rollovers
- Bills, subscriptions and due dates
- Savings goals and debt payoff
- Reports without a bank connection
One payment. No subscription. Works offline and your data stays on your device.
How to use the 50/30/20 rule
The 50/30/20 rule is a simple starting point for a budget. It suggests spending about 50% of your take-home pay on needs, 30% on wants and 20% on savings and extra debt payments.
Needs, wants and savings
Needs are what you must pay: housing, utilities, groceries, transport, insurance and minimum debt payments. Wants are everything you choose: dining out, hobbies, streaming and travel. Savings include an emergency fund, retirement and extra debt payments.
Left to assign
If you have money left over, give it a job before the month starts, such as savings or an extra debt payment. This is the idea behind zero based budgeting.
When the rule does not fit
In high cost areas, needs can easily take more than half of your income. That is normal. Use the comparison as a guide and focus on steady improvement.
Read more: Best budget app without a subscription or bank login.
Frequently asked questions
What counts as a need?
Anything you must pay to live and work: housing, utilities, groceries, transport, insurance and minimum debt payments.
Should debt payments go in savings?
Minimum payments are needs. Anything extra you pay toward debt can count with savings, because it improves your finances in the same way.
Is my information saved?
No. Everything stays in your browser and disappears when you leave. Storm Budget saves your budget privately on your own device.
Do I need to connect my bank?
No. This calculator and Storm Budget both work without a bank login.
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