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 · Made in India · Android (iOS coming soon)
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 really free?
Yes. Balance is free to use with no ads and no mandatory subscription. Core expense tracking, categories, analytics, receipt scanning and CSV export are all included at no cost.
Keep exploring
Start understanding your money with Balance.
Free forever, no ads, no bank login. Join the waitlist and we'll send your invite.