How do I budget my monthly income?

Zero-based budgeting works from what actually lands in your account after tax, with every unit of income assigned to something — rent, groceries, bills, spending money, savings — until nothing is left unassigned. Money moved to savings still counts as assigned. This calculator does that arithmetic with the figures you type.

Is this budget calculator free?

Yes. There is no sign-up and no account. The calculator runs entirely in your browser and nothing you type is sent anywhere or stored.

How much of my income should go to each budget?

A commonly cited split puts about half of income towards needs like rent, food and bills, about a third towards wants, and the rest towards savings and debt. It is a rule of thumb rather than a rule, and the arithmetic stops working when fixed costs like rent take a larger share. This page does not prescribe a split; it totals whatever you enter.

How often should I redo my budget?

Most people redo it monthly, before the month starts, because income and bills move and a budget written in January stops matching reality by March. Nothing here is saved between visits, so each run starts fresh.

Tool Budget my income

Give every dollar
a job.

Type what lands in your account this month, then fill each budget until nothing is left over. This is the same screen FloosYo hands you after payday, running right here in your browser.

Drag a budget to fill it Split evenly in one tap Nothing leaves your browser

Monthly budgets · the same six the app starts you with · about a minute

Left to assign

↺ Reset

Your monthly income

Drag a budget up or down to fill it, or type the amount straight in.

Rent

Groceries

Transport

Bills

Dining out

Savings

This is a calculator. It totals the figures you type and nothing else. It is not financial advice and it does not account for your full circumstances.

Assign $4,000 more to finish

Keep the plan
in your pocket.

This page does the math once. FloosYo carries it through the month, lands every
expense against the right budget and tells you what is left before payday.

Download FloosYo

1-week free trial.

Give every dollar a job.

Keep the plan in your pocket.

Give every dollar
a job.

Keep the plan
in your pocket.