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Monthly Income, Expenses & Remaining Cash
Remaining Cash
Total Expenses: $5,000 · Expense Load: 100.0%
Expense Breakdown
Top Spending Categories
Budget Summary
Expense Planner
Your saving rate against national averages — pick the country to measure against.
You out-save 2 of 29 countries
Benchmark: OECD — Net household saving as a share of net household disposable income, 2024. Your figure is calculated from what you entered and never leaves your browser.
Divide the shared expenses by income, or down the middle — and see what each of you is left with.
| Person | Pays | Share | Left over |
|---|---|---|---|
| Person 1 | $5,000 | 100% | $0 |
| Person 2 | $0 | 0% | $0 |
Splitting down the middle instead would move $2,500 a month between you.
Neither split is the correct one. Proportional keeps the burden equal relative to what each person earns; down the middle keeps the amounts equal. The "left over" column is usually what settles it.
Drop in a paystub, bank statement or screenshot — the AI reads it and fills these fields for you.
Budget Tracker is where this stops being a one-off number: keep your real balances there and the projection updates itself.
Describe an invoice and the AI writes it. PDF without watermarks, free.
A budget works best when it is visible and realistic. The official CFPB guides on creating a budget, tracking spending, and building an emergency fund all point to the same habit: know your cash flow before you try to optimize it.
Use monthly take-home pay, not gross salary. The CFPB budget guide at this official page follows the same principle.
The CFPB spending tracker is useful because it shows where money actually goes before you start reducing categories.
A budget is more stable when you keep emergency cash separate. The CFPB emergency fund guide is a good benchmark.
Use this calculator as a monthly cash dashboard, then refine the categories with your real spending data and an official budgeting framework.
How-to guides that use this tool