Your budget starts with real numbers
A simple way to see what comes in, goes out and remains.
Four numbers for a first look
The tool subtracts fixed expenses, variable expenses and planned savings from monthly take-home income. It is an initial snapshot: you choose the amounts, and the result does not automatically categorize transactions.
An example to try
Income of 3,000,000, fixed expenses of 1,500,000, variable expenses of 700,000 and savings of 300,000 leave 500,000. If variable spending rises by 600,000, the balance becomes −100,000. That difference shows which assumption needs review.
Make it more representative
The CFPB recommends checking a budget against actual spending and including less frequent costs. An annual expense of 1,200,000 means allowing 100,000 monthly in the calculation. Review the figures when your income or commitments change.
Sources and access dates
CFPB · Assess your spending ↗ · Accessed: 2026-11-03
Examples are hypothetical. This content is not individual advice. To report an error, see our corrections policy.