Three calculators
Three calculators, each built to show exactly where your money is going and what a change would actually be worth.
Monthly spending breakdown
Sort your take-home pay into real categories — housing, food, transport, utilities, debt and everything else — and see exactly what's going where.
Assumptions this uses
- Uses monthly take-home pay, not gross income before taxes
- Assumes the amounts entered are recent real averages, not aspirational targets
- Does not include annual or irregular expenses unless you've divided them into a monthly amount first
- A snapshot tool, not a live connection to your accounts
Limitations: Does not connect to your bank accounts and cannot verify actual spending against these categories.
Runs entirely in your browser.
A category that looks 'too high' might just be misclassified
Before assuming a category is genuinely overspent, check whether a few large one-off purchases landed in it by mistake — a holiday gift under "groceries," a car repair under "other." Reclassifying a handful of transactions correctly usually explains more of an apparent overspend than actually cutting spending does.
Typical-split benchmark
See the widely-used 50% needs, 30% wants, 20% savings split for your take-home pay, as a rough comparison point, not a target.
Assumptions this uses
- Applies a fixed 50/30/20 split to whatever take-home pay you enter
- Assumes take-home pay, not gross income
- Does not account for household size, location or housing-cost differences
- A rough benchmark, not a rule your household has to follow
Limitations: High housing costs in many US cities make a strict 50% needs ceiling unrealistic — treat this as a comparison point, not a hard rule.
Runs entirely in your browser.
The Spending Visibility & Subscription Audit Kit
A worksheet for seeing where your money actually goes and auditing your recurring subscriptions.
Get the free guide →Subscription cost comparison
Add up what your current subscriptions cost over a year against what you'd pay after cancelling the ones you don't use.
Assumptions this uses
- Treats every subscription as either monthly or a once-a-year annual charge
- Assumes the figures you enter reflect actual charges from a statement, not a guess
- Does not account for cancellation fees some services charge, which are uncommon but do exist
- A planning comparison, not a live subscription scan
Limitations: Does not connect to your accounts to detect subscriptions automatically — you'll need to gather the figures from statements first.
Runs entirely in your browser.
Partner link — we may be paid a fee at no cost to you. How we make money.
See a tool built to find recurring charges automatically
Once you know roughly where things stand, a dedicated subscription tracker can scan your accounts and flag recurring charges you'd otherwise miss.
See how it works →