Free Calculator
Monthly budget calculator
Enter your income and planned spending to see, instantly, how much is left to save — and whether your plan actually balances.
It's a quick sanity check before the month starts.
Free · No ads · 140+ currencies · Android (iOS coming soon)
Balance - Expense Tracker by Clarzen on Google Play
Total planned spending
$0
Left to save
Aim to keep this positive
$0
Estimates only — a quick starting point, not financial advice.
How to use it
Put in your monthly take-home income, your essential spending (rent, bills, groceries, transport) and your lifestyle spending (dining, shopping, fun). The calculator shows your total planned spend and what remains to save.
If 'left to save' is negative, trim the lifestyle number until the month balances.
From plan to habit
A calculator gives you the plan; tracking keeps you to it. Balance lets you set these figures as category budgets and watch your real spending against them through the month — free, with no bank login.
Frequently asked questions
How much should I save each month?
A common target is around 20% of take-home income, but any consistent amount helps. This calculator shows what's left after your planned spending so you can set a realistic figure.
Is Balance free?
Yes. Balance is free to download and use, with no ads. Everyday tracking — adding expenses, automatic capture, bills and subscriptions, accounts and CSV export — is free, and it isn't a trial that runs out.
Keep exploring
Track every expense. Ask anything.
Free to download, no ads, no bank login. Get Balance on Google Play and start tracking in minutes.
