Tools
Budget Calculator: Plan Your Income, Expenses, and Savings Rate
Add your income and expenses below to see your planned savings, savings rate, and debt-to-income ratio update in real time.
Income
Total income
$0
Expenses
Total expenses
$0
Total income
$0
Total expenses
$0
Planned savings
$0
Debt-to-income
0%
Savings rate 0%
Target: 20%+
Debt-to-income
Keep under 36%
Quick tips
Aim for a 20%+ savings rate whenever you can. Even 10% is a solid start if you're just getting going.
Keep your debt-to-income ratio under 36%, and try to keep housing alone under 28% of your income.
Check the box next to any expense that's a debt payment (credit cards, loans, etc.) so your DTI calculates correctly.
20%
Once your budget has room to save, put that gap to work. Try the savings calculator to see how fast it can grow.
This calculator is an educational estimate, not financial advice. Your entries are saved only in your own browser when you choose to save them; nothing is sent to or stored on our server. Savings rate is planned savings divided by income; debt-to-income is the expenses you mark as debt payments divided by income.