Budget Surplus/Deficit Analyzer

Determine if you're spending within or beyond your budget.

Compare your monthly income and total expenses to see whether you have a budget surplus or deficit. A positive result means you're saving money, while a negative result indicates overspending.

Fill in the form to see results

Other Calculators

Savings Goal Planner

Calculate how much to save each month to reach your goal by a target date.

Monthly Savings = (Goal Amount − Current Savings) / Months Until Target Date

Zero-Based Budget Calculator

Allocate your income fully until your remaining balance is zero.

Remaining = Income − Sum of all category amounts

Monthly Budget Allocator

Divide your monthly income using the 50/30/20 budgeting rule.

Needs = 50% * Income; Wants = 30% * Income; Savings = 20% * Income

Custom Budget Category Allocator

Allocate your income across any number of custom budget categories.

Amount = Income × (Percentage / 100) for each category

Emergency Fund Target Calculator

Estimate how much money you should save for emergencies.

Target = Monthly Expenses × Number of Months

Daily Spending Limit Calculator

Find out how much you can spend per day for the rest of the month.

Daily Limit = Remaining Budget / Days Left