Personal Budget Planner


This calculator enables people to estimate their biweekly, monthly or annual income & convert that to budgetary guidelines recommended by Dave Ramsey to see how their spending habits compare against others. These percentages are reasonable baselines, though will change dramatically by income level & age group. Some examples of common deviations are listed below:

  • Food: People near the poverty line tend to spend a higher share of income on food whereas a person in the top 1% typically spends a far lower share of their income on food.
  • Housing: People in retirement often already own their homes. Younger people are more likely to rent. People in hyper-competitive large urban areas typically have to spend a higher percent of their income on housing than people in rural areas.
  • Healthcare: Younger people typically spend relatively less on healthcare. Older, sick & injured people tend to spend a higher percent.
  • Debt & Savings: Younger and poorer people typically spend a higher share of their income on debt service payments paying off student loans & other debts, leaving them with little money to put toward savings & investments. Older people tend to carry little debt outside of their home mortgage & as their earning power goes up they tend to save more.

You can adjust any of the initially set percentages to suit your needs & budget. A total row is shown at the bottom of the calculator, which shows how close your percentages are to 100% and how much you might need to change your spending habits to match your current income.

Enter Your Income

Net-income for you would like to translate into budget expenses:



Low End

High End

Charitable gifts - %
Savings - %
Housing - %
Utilities - %
Food - %
Transportation - %
Clothing - %
Medical/Health - %
Personal - %
Recreation - %
Debts - %
Totals - %

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