Financial Tools

Expense Calculator

Analyze your daily, monthly, and annual spending. Break down your expenses by category to see exactly where your money goes.
Housing & Utilities
Rent / Mortgage
Utilities
Internet & Phone
Home Insurance
Transportation
Car Payment
Gas & Fuel
Auto Insurance
Public Transport
Living & Lifestyle
Groceries
Dining Out
Entertainment
Health & Fitness
Other Misc

Values shown are examples. Edit them to match your situation.

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Expense Summary
Total Monthly Expenses $0.00
Annual Total $0
Daily Average $0

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For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.

You know what goes out. Now put income next to it.

The budget calculator adds pay and tax to these lines and shows what is left each month.

Open the budget calculator

How this is worked out

Thirteen lines in three groups. Housing is rent or mortgage, utilities, phone and internet, and home insurance. Transport is the car payment, fuel, auto insurance and transit. Lifestyle is groceries, dining out, entertainment, healthcare and everything else.

Annual is the monthly total times twelve. Daily is the annual figure over 365, not the monthly figure over 30, so a short month does not flatter it.

Enter what you actually spend, from a bank statement rather than memory. Most people underestimate dining, subscriptions and fuel, and overestimate groceries.

Questions people ask

Monthly or annual figures for insurance?
Monthly. Divide a policy you pay once or twice a year by twelve first, otherwise the month it lands in looks like a disaster and the other eleven look better than they are.
What about spending that is not every month?
Average it. Car maintenance, gifts, travel and medical costs are real and predictable in a year even when they are invisible in a week. Take the yearly figure and divide by twelve.
Why does the daily number matter?
Because it is the one a decision is made against. A $6 daily habit is $2,190 a year, and that is the frame in which people actually cut something.
Is 30% of income on housing a rule?
It is a convention, and it comes from lending and rental underwriting rather than from anything about your life. Above it the rest of the budget has to be tighter, which is the practical point.
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How to read these numbers

Estimates, not offers. This tool applies standard formulas to the values you enter. It assumes a fixed rate, equal payments, no missed payments and no fees unless you enter one, and it ignores taxes, insurance and provider specific compounding. A result here is for comparison and is not a quote, a pre-approval or an offer of credit.

Nothing you type is an application. Using this tool causes no credit inquiry of any kind and creates no obligation.

Rates, fees and terms shown elsewhere on this site are read from the provider's own published page and carry the date they were checked. Providers change them without notice and the provider's own disclosure governs. The full method, and how to report a wrong number.

Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.

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