Calcula - Budget Planner

Budget Planner

Master your monthly spending

Income & Targets

Monthly Income (After Tax) ($)

💡 This is your paycheck money that you can actually spend. Not the big number before taxes!

Savings Target (%): 20%

💡 If you earn $100, try to put $20 in the piggy bank! That's 20%. The more you save now, the richer you'll be later!

Budget Template

💡 Not sure where to start? Pick a template that matches your life! You can adjust it later.

Budget Health Score

Based on your spending habits

Needs/Wants/Savings/Cashflow/Housing are used to score your budget.

Monthly Surplus

Annual Net Cashflow

Monthly Expenses

50/30/20 Rule Analysis

Needs (50%) | Wants (30%) | Savings (20%)

Category	Recommended	Your Amount	Status
Needs (Housing, Food, Utilities)	50%	—	—
Wants (Entertainment, etc)	30%	—	—
Savings	20%	—	—

Spending Breakdown

Drag categories to see instant impact on savings

📊 50/30/20 Rule (Simple & Effective)
50% Needs (rent, food, utilities, insurance)
30% Wants (fun, entertainment, dining out)
20% Savings & Debt Payoff
Perfect for beginners! Flexible but structured.

💳 Credit Card Churning
Use credit cards for all spending (pay off monthly!), earn 2-5% cashback. That's a FREE 2-5% raise! Popular: Chase Sapphire, Amex Gold.

🏠 Housing: The 30% Rule
Keep housing under 30% of gross income. Going over creates "house poor" lifestyle - rich in equity, broke in cash.

🍔 The Latte Factor
Small daily expenses add up! $5 coffee daily = $1,825/year = $51,000 in 10 years at 7% return. Track and cut your "latte."

📱 Subscription Audit
Review subscriptions quarterly. Average person has 12 subscriptions, uses 5. That's $20-50/mo wasted = $240-600/year!

🎯 Zero-Based Budget
Every dollar gets a job! Income - expenses = $0. Forces intentional spending. Popular with Dave Ramsey fans.

💰 Pay Yourself First
Savings comes OUT first on payday, then budget what's left. Guarantees you save! Opposite of "save what's leftover" (usually $0).

💡 Smart Tips

✨ Calcula

📚 What is ELI5 Mode?

📚 Resources & Guides

Snowball vs Avalanche Guide

Bi-Weekly Payments Guide

About Calcula