Budget Calculator

Calculate your monthly surplus and savings rate from your income and expenses.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
Enter your monthly income and expenses to calculate your surplus and savings rate.
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₹

Your result

₹35,000

Monthly surplus

Savings rate35.00%

AI explanation

Formula

Surplus = income − expenses. Savings rate = surplus / income × 100

Worked example

₹1L income, ₹65,000 expenses

Worked example: ₹1L income, ₹65,000 expenses
FieldValue
Monthly income100000
Monthly expenses65000
Monthly surplus35000
Savings rate35

Assumptions

  • A simple income-minus-expenses calculation — for a structured allocation framework, see the 50/30/20 Budget Calculator.
  • Informational only.

Frequently asked questions

What's a good savings rate?

Financial guidance commonly suggests saving 20% or more of income, though the right target depends on your goals, age, and financial obligations.

What if my surplus is negative?

A negative surplus means you're spending more than you earn — review your expenses to identify areas to cut back, or look for ways to increase income.

Should this include one-time expenses?

For a monthly budget view, it's usually more useful to average irregular annual expenses (insurance premiums, festival spending, etc.) into a monthly figure rather than excluding them.

Related calculators

50/30/20 Budget CalculatorMonthly Budget Calculator

Related articles

Finance1 min read

How Your Monthly Surplus and Savings Rate Are Calculated

Monthly surplus is simply income minus expenses, and savings rate expresses that surplus as a percentage of income — two numbers that show exactly where your current spending stands, before applying any budgeting rule.

Read guide
Finance1 min read

Three Different Ways to Decide How Much to Save

"How much should I save?" has at least three different answers depending on which question you're actually asking — what am I saving right now, what does a general rule of thumb suggest, or what does a specific future goal actually require.

Read guide

Sources

This calculator provides a general estimate only and does not constitute financial advice.

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