EVERYDAY MONEY / FREE CALCULATOR

Monthly budget planner calculator

See what remains after bills, debt payments and planned savings.

Method and references reviewed 5 November 2026

YOUR NUMBERS

Let’s work it out.

Calculated on your device. Save a copy only when you choose.

A CLEARER PICTURE

Monthly money not yet allocated

R 4 000,00

Available after the entered spending and savings

Take-home income: R 30 000,00
Total spending excluding savings: R 23 000,00
Planned savings: R 3 000,00
Signed balance (negative = shortfall): R 4 000,00

See the full breakdown

ESTIMATE · NOT A QUOTATION

Save this scenario, then change your inputs to compare the results.

BEHIND THE NUMBER

Your calculation, unpacked.

Take-home income: R 30 000,00
Total spending excluding savings: R 23 000,00
Planned savings: R 3 000,00
Signed balance (negative = shortfall): R 4 000,00
Savings as a share of take-home: 10,00%

UNDERSTAND THE TRADE-OFFS

Small changes.
Different possibilities.

Try changing one input at a time. Compare the total cost, as well as the monthly number.

THE WORKINGS

How this calculation works

Add all spending categories and planned savings, then subtract from take-home income. A negative result shows the monthly shortfall; a positive result is money not yet allocated.

A worked example

R30 000 take-home minus R25 000 spending and R3 000 savings leaves R2 000 unallocated.

Assumptions & limitations

Use monthly equivalents and avoid double-counting expenses already deducted from take-home pay. This does not impose a universal budget split; decide allocations for your household and include irregular annual bills in your monthly amounts.

Read a little further.

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