Monthly budget and savings rate
Organise fixed costs, variable spending and savings in a simple monthly budget.
Calculate a monthly budget and savings rate
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Enter all regular net income for one month.
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Split your spending into fixed costs, variable expenses and planned savings.
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The calculator shows the available amount, savings rate, expense rate and annual savings potential.
If you need a bespoke version
You can keep using this free tool as it is. If you need a bespoke version with your own rules, data or workflows for a website, shop or internal process, I can build it for you – for example with custom rules and data sources, approvals and exports, and website or shop integration.
How this tool calculates
Fixed costs, variable spending and planned savings are deducted from net income. The savings rate relates savings to net income.
Your inputs and results remain on your device. Reloading the page restores the default values.
Terms used in this calculation
- Fixed costs
- Regular recurring expenses that are usually similar in amount.
- Variable expenses
- Expenses whose amount varies from month to month.
- Savings rate
- Planned savings in relation to net income.
Frequently asked questions
What does a negative available monthly amount mean?
The entered expenses and savings target together are higher than your income.
Do annual bills belong in fixed costs?
Divide the annual amount by twelve and include it as a monthly fixed-cost reserve.