NoNoiseTools

Money calculators

Budget Calculator

Enter income, expenses, savings and debt payments to estimate monthly surplus or shortfall. Everything is entered manually and calculated in your browser.

Income

Income

Income sources and frequency.

$
Housing

Housing

Rent, mortgage and housing-related costs.

$
Transport

Transport

Car, fuel, transit, parking or other transport costs.

$
Living costs

Living costs

Groceries, utilities, phone, insurance and regular essentials.

$
Debt payments

Debt payments

Minimum or planned regular debt payments.

No rows entered. Add one if this category applies.

Savings and goals

Savings and goals

Regular savings, emergency fund or goal contributions.

$

Key takeaway

The budget entered shows $1,250 surplus/mo after listed expenses, savings and debt payments. It is based only on the rows entered here.

More categories and regionPersonal rows, custom rows, display period, percentages and region settings.
Personal and discretionary

Personal and discretionary

Subscriptions, eating out, entertainment and other flexible spending.

No rows entered. Add one if this category applies.

Other categories

Other categories

Any other regular category you want to include.

No rows entered. Add one if this category applies.

Region settings change defaults, labels, units and formatting only. They do not convert currencies or provide tax advice. USD defaults change labels and currency formatting only.

Category breakdown

Monthly or annual category totals from the rows entered.

Housing
$1,700 (34%)
Transport
$450 (9%)
Living costs
$1,100 (22%)
Debt payments
$0 (0%)
Savings and goals
$500 (10%)
Personal and discretionary
$0 (0%)
Other categories
$0 (0%)

Budget metrics

Savings rate, debt share and annualized surplus or shortfall.

Savings rate
10%
Debt payment share
0%
Annualized surplus/shortfall
$15,000 surplus/yr
Largest category
Housing: $1,700

Assumptions used

Manual row, category and frequency assumptions used for this budget estimate.

Budget periodRows are converted to this display period.
Monthly view
Income rowsListed income: $5,000.
1 rows
Expense, savings and debt rowsListed outgoings: $3,750.
4 rows
Frequency conversionAll rows are converted to a monthly equivalent before the result is shown.
Weekly, fortnightly, monthly, quarterly and annual rows
Category percentages
Shown

General estimate only. These assumptions explain the scenario shown; they are not a quote, approval or advice.

Warnings to note

  • This estimate excludes tax changes, account balances, irregular costs unless entered and advice on how to change spending.

Save or share this result

Copy a plain-English summary or download a CSV with the inputs, results, warnings and general-estimate note.

Exports are generated in your browser. NoNoiseTools does not need to store your numbers or require an account.

General estimate only

This calculator provides general estimates only. It is not financial, tax, legal, accounting, investment or debt counselling advice. It does not connect to accounts, store transactions, model tax changes or prescribe spending rules.

How this budget calculator works

The calculator converts each income and expense row to a monthly amount, groups rows by category, then subtracts listed expenses, savings and debt payments from listed income.

Frequency assumptions

Weekly amounts are multiplied by 52 and divided by 12. Fortnightly amounts use 26 payments per year. Quarterly and annual amounts are converted to monthly equivalents.

Savings and debt shares

Savings rate and debt payment share are shown as a percentage of listed income when income is greater than 0. They are context metrics, not spending rules.

What this calculator does not include

This is a manual calculator. It does not connect to bank accounts, store transactions, calculate tax changes, include one-off costs unless entered or give advice on how to change spending.

Key terms and assumptionsManual rows, frequency conversion, surplus or shortfall, savings rate, debt share and estimate limits.
Manual rows
Income and expense rows are entered manually. The calculator does not connect to accounts or store transactions.
Frequency conversion
Weekly, fortnightly, quarterly and annual rows are converted to monthly equivalents before totals are calculated.
Surplus or shortfall
Monthly surplus or shortfall is listed income minus listed expenses, savings contributions and debt payments.
Savings rate
Savings rate is savings rows as a share of listed income when income is greater than 0.
Debt payment share
Debt payment share is debt payment rows as a share of listed income when income is greater than 0.
Region settings
Region settings change defaults, labels and currency formatting only. They do not convert exchange rates or create country-specific results.
General estimate
The result excludes tax changes, live account balances and one-off costs unless those costs are entered manually.

Guides and methodology

Plain-English notes for choosing between detailed budget rows and broad budget-rule comparisons.

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Related calculators

Browse the Money calculators hub for budget rules, savings targets, debt payoff and emergency-fund estimates.

FAQs

Is this a budgeting app?

No. It is a manual calculator for entered income, expenses, savings and debt-payment rows, not an account-linked budgeting app.

Does it connect to my bank account?

No. It does not connect to accounts or store transactions.

Should I enter gross or take-home income?

Use whichever income basis you want to review. Take-home income is often simpler for a household cash-flow view.

How are weekly and annual amounts handled?

They are normalized to a monthly estimate using standard frequency conversions.

Does a shortfall mean I am doing something wrong?

No. It means the entered expenses are higher than the entered income in this estimate.

Does this include irregular expenses?

Only if you add them as rows. Use the sinking fund calculator for planned irregular costs.

How is this different from the emergency fund calculator?

The budget calculator summarizes income and expenses. The emergency fund calculator estimates a target reserve.

Is this financial advice?

No. It is a general estimate based on the values entered, not financial, tax, legal, accounting, investment or debt counselling advice.