Use this budget calculator to assess your spending habits and devlop your savings plan.
Enter your expected net annual disposable income (after tax and savings goals) then enter your target expense values for the upcoming year and adjust it accordingly until you are able to establish a balanced budget. At each month end compare your actual spending to these targets.
The default categories and items are suggestions only and can be over written to accomodate your personal preferences. Up to 10 groups with 10 categories in each group can be created. Discipline yourself to record all spending.