Does it store my data?

No. All calculation runs locally in your browser with no retention.

What's a good savings ratio?

A common benchmark is 20% of income, though it varies by situation.

A household budget is entirely your own numbers, so the country only affects currency formatting.

Your expenses exceed your income — address it before any new commitment.

No, it's a tool to help you see the picture. For big decisions consult a professional.

Understand your income, expenses, and monthly surplus or deficit.

Decision calculatorFully localized assumptionsCountry-specificInteractive chart

Last updated: 2026-05-16

Source: default

Surplus = Income − Σ Expenses

Does it store my data?: No. All calculation runs locally in your browser with no retention.
What's a good savings ratio?: A common benchmark is 20% of income, though it varies by situation.
Why are there no country assumptions?: A household budget is entirely your own numbers, so the country only affects currency formatting.
What does a monthly deficit mean?: Your expenses exceed your income — address it before any new commitment.
Is the result financial advice?: No, it's a tool to help you see the picture. For big decisions consult a professional.

Results are estimates and not professional advice. Verify important decisions with a qualified professional.