Spending calculator
Where is your money going?
Enter your monthly take-home pay and where it goes. We will show your spending against a few simple guidelines, what is left over, and what your savings could grow into.
Your monthly numbers
Your take-home income and typical monthly spending. Change anything and the results update as you type.
What actually lands in your bank account each month, after taxes and paycheck deductions such as your 401(k).
Pre-tax retirement contributions such as a 401(k) come out before your take-home pay, so they are already accounted for. Do not add them here. Use Investments for after-tax investing like a Roth IRA or brokerage account.
Left over each month
$430
not yet assigned
- Needs63%$3,800
- Wants15%$900
- Savings and goals15%$870
- Not yet assigned7%$430
How you compare to 50/30/20
A common guideline: 50% needs, 30% wants, 20% savings and debt. The vertical mark on each bar is the guideline.
$800 a month above the guideline
Within the guideline
$330 a month below the guideline
Housing30% of take-home
Your housing sits within the 30% guideline, which is solid in a high-cost market and frees up room for everything else.
Good: You have $430 a month not yet assigned. Directing it to savings or debt would put it to work.
Watch out: Needs are 63% of take-home pay against a 50% guideline. Housing is usually the largest factor.
What your savings could grow to
If you keep saving $870 a month.
In 10 years
$142,575
In 30 years
$873,928
Illustrative only. Assumes a hypothetical 6% average annual return compounded monthly, with steady contributions and no withdrawals. This is not a prediction, a recommendation, or financial advice, and actual results will vary.
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Nothing you enter here is saved or sent to us. The figures stay in your browser.