Core Budget · Calculator

Free Monthly Expense Calculator

What is a monthly expense calculator?

A monthly expense calculator adds up everything you spend in a month — housing, food, transport, debt, and misc costs.

Enter your main spending buckets and your monthly income. The calculator shows total expenses and whether you have a surplus or deficit.

Total expenses = Housing + Food + Transport + Other

See our fixed vs variable guide for what belongs in each bucket. Track categories in Ziko as you spend.

Priya takes home $4,200/month and tracks four spending groups.

$1,400 + $480 + $220 + $550 = $2,650 expenses — with $4,200 income, Priya has $1,550 surplus to save or assign.

Tap Use example to try Priya's numbers.

Total monthly expenses — Sum of all categories you entered.
Surplus / deficit — Income minus expenses. Negative means overspending on paper.
Expenses share of income — How much of your pay goes to these costs. Under 80% often leaves room for savings.

Split surplus into savings caps with the budget planner calculator.

List spending costs here. Track savings separately in your budget plan or in Ziko.

Credit card minimums, subscriptions, childcare, personal spending — anything not in the other rows.

Once a month before payday, or after a big life change (move, new job).

Turn this into a real monthly plan. Set income, caps, and alerts in Ziko — free, no bank login.