How do I calculate my monthly budget surplus?

Subtract all monthly expenses from your monthly net income. A positive result is a surplus; a negative result is a deficit. Track all spending categories for accuracy.

Budget Surplus Calculator

Estimate monthly surplus after planned expenses.

This tool runs in your browser. None of your data is saved or sold.

Monthly net income ($)

Housing ($)

Food ($)

Transport ($)

Other expenses ($)

Entertainment / misc ($)

About This Calculator

Your monthly surplus is the most important number in your personal financial statement — it's the raw material for savings, debt payoff, and investment. This calculator breaks down your spending across five categories and quantifies how much is left over each month and annually.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

total expenses = housing + food + transport + other + entertainment; surplus = income − total expenses; annual = monthly × 12