Budget Calculator

Calculate your monthly surplus and savings rate from your income and expenses.

  • Free to use
  • No registration required
  • Works on all devices
Last updated
13-09-2026
Enter your monthly income and expenses to calculate your surplus and savings rate.
₹
₹

Your result

₹35,000

Monthly surplus

Savings rate35.00%

AI explanation

Formula

Surplus = income − expenses. Savings rate = surplus / income × 100

Worked example

₹1L income, ₹65,000 expenses

Worked example: ₹1L income, ₹65,000 expenses
FieldValue
Monthly income₹1,00,000
Monthly expenses₹65,000
Monthly surplus₹35,000
Savings rate35

Assumptions

  • A simple income-minus-expenses calculation — for a structured allocation framework, see the 50/30/20 Budget Calculator.

Frequently asked questions

What's a good savings rate?

Financial guidance commonly suggests saving 20% or more of income, though the right target depends on your goals, age, and financial obligations.

What if my surplus is negative?

A negative surplus means you're spending more than you earn — review your expenses to identify areas to cut back, or look for ways to increase income.

Should this include one-time expenses?

For a monthly budget view, it's usually more useful to average irregular annual expenses (insurance premiums, festival spending, etc.) into a monthly figure rather than excluding them.

How often should I review my monthly budget?

Many people find monthly review effective for catching spending drift early, though even a quarterly review is far better than none for staying aligned with financial goals.

What expenses should I track?

Include all recurring costs — rent/EMI, utilities, groceries, transportation, subscriptions, and an averaged share of irregular annual expenses like insurance.

Related calculators

50/30/20 Budget Calculator

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Monthly surplus is simply income minus expenses, and savings rate expresses that same surplus as a percentage of income — two numbers from one subtraction that together summarize a household budget's health.

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"How much should I save?" has at least three different answers depending on which question you're actually asking — what am I saving right now, what does a general rule of thumb suggest, or what does a specific future goal actually require.

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How Long It Takes Your Real Monthly Surplus to Fund Your Emergency Fund

Feeding the same real ₹65,000 monthly expenses figure into both the budget calculator and the emergency fund calculator connects a real surplus to a real savings target — and dividing one by the other shows exactly how many months of saving it would take to reach it.

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Sources

Page last updated 13-09-2026.

This calculator provides a general estimate only and does not constitute financial advice.

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