Monthly Budget Calculator

Track your monthly surplus and savings rate to stay on top of your household budget.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
Enter your monthly income and expenses to track your surplus and savings rate.
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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 income100000
Monthly expenses65000
Monthly surplus35000
Savings rate35

Assumptions

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

Frequently asked questions

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.

How does this help me budget better?

Seeing your exact surplus and savings rate each month makes it easier to spot trends, catch overspending early, and track progress toward savings goals.

Related calculators

Budget Calculator50/30/20 Budget Calculator

Related articles

Finance1 min read

How Monthly Surplus and Savings Rate Are Calculated

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.

Read guide
Finance2 min read

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.

Read guide

Sources

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

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