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Budget Calculator

To use this calculator:

  1. Insert your gross monthly income and tab to review estimated expenses based on national averages.
  2. To change prepopulated figures, tab between fields or click on the appropriate field.
  3. Enter your monthly student loan payment amount.
  4. Tab to or click on the Balance field to see your monthly surplus or shortfall.

Note: This calculator is for informational and educational purposes only. The results are estimates only.

Item Amount Description
$ Enter your monthly income before taxes or deductions.
$ At least 20% of your monthly income will go to state and federal taxes and other deductions.
$ This covers a basic medical insurance plan for one person.
$ If you aren't sure what to save for later, assume about 3% of your salary will go to a retirement plan.
$ The national average for rent is nearly $700 per month.
$ This amount includes all your meals for a month. Remember, buying gourmet coffee and drive-thru meals every day will add to this amount.
$ Include monthly payments for a good used car plus gas, insurance, registration and maintenance.
$ This amount assumes that at least some of your water, electricity or heat is included with your rent.
$ This includes basic cable, high-speed Internet service and a basic cell phone plan, plus an occasional evening out.
$ You'll need to buy clothes for work, personal care items, products to clean your home and other miscellaneous purchases.
$ Add the monthly payment amount for all your student loans together.
$ If you have a surplus, start adding to your savings or retirement plans; a negative number means you need to either increase income or reduce expenses.
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