• Enter Your Income:
  Input your monthly net income (the amount you receive after taxes). This is the money you have available for all your monthly expenses.

• List Your Expenses:
  Enter your recurring expenses, such as rent or mortgage payments, utilities, groceries, transportation, insurance, debt repayments, entertainment, and any other costs you incur.

• Instant Calculation:
  The calculator sums up your expenses, subtracts them from your income, and displays your leftover balance. If your expenses exceed your income, it will highlight the shortfall, helping you identify areas where you might need to adjust your spending.

• Annual Projection:
  It also projects your surplus or deficit on an annual basis, offering you a broader perspective on your financial health.

Why Use the Budgeting Calculator?

• Improve Financial Awareness:
  Understanding your monthly spending patterns helps you identify where you may be overspending or where you have room to save.

• Plan Effectively:
  With a clear picture of your monthly and annual cash flow, you can better plan for savings, investments, or debt reduction.

• Simple and Quick:
  The tool is designed with simplicity in mind—no complex financial jargon, just easy-to-understand calculations that give you immediate insights into your budget.

• Make Informed Decisions:
  Whether you’re trying to manage your day-to-day expenses or plan for long-term financial goals, the budgeting calculator provides a solid foundation for informed decision-making.

Note: This calculator provides an estimate for budgeting purposes only. For a detailed financial plan or advice tailored to your personal circumstances, consider consulting a professional financial advisor.