{"id":360432,"date":"2022-04-13T13:58:37","date_gmt":"2022-04-13T19:58:37","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=360432"},"modified":"2022-10-18T12:16:45","modified_gmt":"2022-10-18T18:16:45","slug":"budget-calculator","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/finance\/budget-calculator\/","title":{"rendered":"Budget calculator to determine your monthly expenses"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"200\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/person-sitting-on-floor-calculating-payments-600x200.jpg\" alt=\"person wearing a long sleeved stripped shirt sitting on the ground and using a budget calculator to figure out their finances\" class=\"wp-image-361584\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/person-sitting-on-floor-calculating-payments-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/person-sitting-on-floor-calculating-payments-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/person-sitting-on-floor-calculating-payments-768x256.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/person-sitting-on-floor-calculating-payments-1536x512.jpg 1536w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/person-sitting-on-floor-calculating-payments-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/person-sitting-on-floor-calculating-payments-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/person-sitting-on-floor-calculating-payments-1400x467.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/person-sitting-on-floor-calculating-payments.jpg 1590w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Disclosure regarding our editorial content standards<\/em><\/a><em><u>.<\/u><\/em><\/p>\n\n\n\n<p>Whether you loathe or love budgeting, it\u2019s an important thing to do each month. This budget calculator will give you a breakdown of your budget areas to make budgeting a breeze. To start, first input your monthly <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/gross-income-vs-net-income\/\" target=\"_blank\" rel=\"noreferrer noopener\">net income<\/a> (including paychecks and any other areas of income), then fill out each budgeting area to the best of your ability. You can see a visual breakdown of your expenses, including whether you\u2019re over or under budget for the month, and then export to a spreadsheet to make budgeting easy each month.<\/p>\n\n\n\n<div class=\"siege-container\" id=\"siege-container\">\n    <div class=\"budget-calculator\" id=\"budget-calculator\">\n      <section class=\"input\">\n        <form data-form=\"\">\n          <h2>Monthly budget calculator<\/h2>\n          <div class=\"section-content\">\n            <div class=\"form-fields\" data-fields=\"\"><\/div>\n            <footer>\n              <button class=\"submit\" data-submit=\"\">Calculate<\/button>\n              <button class=\"reset\" data-reset=\"\">Reset<\/button>\n              <div class=\"boolean\">\n                <input data-save=\"\" type=\"checkbox\" checked=\"\" id=\"item-save\">\n                <label for=\"item-save\">Save information on this device<\/label>\n              <\/div>\n            <\/footer>\n          <\/div>\n        <\/form>\n      <\/section>\n      <section class=\"output\">\n        <h3>Total monthly expenses<\/h3>\n        <div class=\"section-content\">\n          <div class=\"form-fields\" data-results=\"\"><\/div>\n          <footer>\n            <button class=\"export\" data-export=\"\">Export to spreadsheet<\/button>\n          <\/footer>\n        <\/div>\n      <\/section>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-determine-your-monthly-budget\"><a><\/a>How to determine your monthly budget<\/h2>\n\n\n\n<p>There are a number of different ways to budget, whether you choose to track your spending using a <a href=\"https:\/\/www.creditrepair.com\/blog\/money-management\/cash-envelope-templates\/\" target=\"_blank\" rel=\"noreferrer noopener\">cash envelope<\/a>, a spreadsheet or a <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/what-is-a-sinking-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\">sinking fund<\/a>. No matter your method, there are certain things and categories all budgets (including our budgeting calculator) have in common. Read on for an explanation of these categories, and how to ensure your numbers are accurate each month.<\/p>\n\n\n\n<ul><li><strong>Income: <\/strong>This includes your net income (take-home pay after taxes) as well as any other forms of income you have coming in each month. This number will help you determine how much money you have coming in vs. going out each month.<\/li><li><strong>Housing expenses: <\/strong>Whether you rent an apartment or own <a href=\"https:\/\/www.creditrepair.com\/blog\/mortgage-and-housing-information\/what-score-to-buy-a-house\/\" target=\"_blank\" rel=\"noreferrer noopener\">a home<\/a>, you should track your rent or mortgage payments, utility bills and any other monthly expenses you incur\u2014such as insurance, repairs or maintenance and cable\/Internet\/phone plans.<\/li><li><strong>Transportation expenses: <\/strong>These costs include gas, car repairs, insurance and any other fees you\u2019re paying each month. If you don\u2019t own a car, you should track public transit fees or rideshare costs.<\/li><li><strong>Food and personal expenses: <\/strong>This category includes everything from groceries to takeout, as well as any personal expenses, like entertainment costs, clothing and\/or pet supplies.<\/li><li><strong>Loan and debt expenses: <\/strong>This spending category includes any <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-101\/average-loan-interest-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\">loans<\/a> or bills you\u2019re working to pay off, like a <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-101\/how-to-pay-card-bill\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit card bill<\/a>, a student loan or medical debt.<\/li><li><strong>Savings: <\/strong>You should always try to pay yourself a little each month, so this category tracks contributions to your savings account, retirement fund and emergency fund and any investment accounts you may have.<\/li><li><strong>Miscellaneous expenses: <\/strong>This category includes any spending areas not included in any of the categories above. This could be subscription fees, electronics or anything else you spend money on monthly.<\/li><\/ul>\n\n\n\n<p>These categories can help you round out your budget so that it works for you, which is what all budgets should do. Instead of feeling guilty for going over your budget each month, you should view your budget as more of a spending guide. Your budget should reflect your life and your spending habits, not feel restrictive and cause guilt.<\/p>\n\n\n\n<p>If you want an uncategorized budget so you have full control over your spending categories, these budget binder printables may be what you need. Use these if you\u2019re new to budgeting or want to better understand the budgeting process laid out above.<\/p>\n\n\n\n<p>Simply fill in your budgeting areas including your income, any fixed monthly expenses (such as rent), other areas you find yourself spending money in, savings contributions and debt payments. You can then print this, along with the fill-in-the-blank payment calendar, every month to put together a flexible budget that works for you and keeps you on track.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/monthly-budget-and-payment-printable-mockup-600x400.jpg\" alt=\"\" class=\"wp-image-361587\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/monthly-budget-and-payment-printable-mockup-600x400.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/monthly-budget-and-payment-printable-mockup-300x200.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/monthly-budget-and-payment-printable-mockup-768x512.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/monthly-budget-and-payment-printable-mockup-1536x1024.jpg 1536w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/monthly-budget-and-payment-printable-mockup-450x300.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/monthly-budget-and-payment-printable-mockup-900x600.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/monthly-budget-and-payment-printable-mockup-1400x933.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/monthly-budget-and-payment-printable-mockup.jpg 1592w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/budget-binder-printables-1.pdf\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"115\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/download-budget-printables-button-600x115.png\" alt=\"\" class=\"wp-image-361597\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/download-budget-printables-button-600x115.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/download-budget-printables-button-300x58.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/download-budget-printables-button-768x147.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/download-budget-printables-button-450x86.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/download-budget-printables-button-900x173.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/03\/download-budget-printables-button.png 1047w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/figure>\n\n\n\n<p>When done correctly, budgeting can help you save for <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/part-time-jobs-for-retirees\/\" target=\"_blank\" rel=\"noreferrer noopener\">retirement<\/a>, give you a better idea of what you spend the most money on and even work on your <a href=\"https:\/\/www.creditrepair.com\/credit-education\" target=\"_blank\" rel=\"noreferrer noopener\">credit<\/a>. Budgeting each month may be tedious, but a budget calculator can help you easily see what your monthly budget looks like. Be sure to stay on top of your monthly budget for each category so you can rest easy with an up-to-date and accurate budget.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"http:\/\/creditrepair.com\/disclaimer\" target=\"_blank\">Note: <\/a> The information provided on CreditRepair.com does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Use this budget calculator to create your ideal monthly budget based on your income and expenses. Hopefully, this will make the process easier.<\/p>\n","protected":false},"author":76,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"budget-calc-template.php","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Budget Calculator for Monthly Expenses | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"Use this budget calculator to create your ideal monthly budget based on your income and expenses. Hopefully, this will make the process easier.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/finance\/budget-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Budget calculator to determine your monthly expenses\" \/>\n<meta property=\"og:description\" content=\"Use this budget calculator to create your ideal monthly budget based on your income and expenses. 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