Free tool
Spending Analyzer
Enter your actual income and spending by category to see a visual composition of where your money really went. Add custom categories to match your statements.
Your numbers
Updates instantly as you type. Nothing leaves your browser.
Surplus / deficit
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Results
Your personalized analysis
Surplus / deficit
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Savings rate
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Biggest category
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Expense ratio
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Key insights
Derived from your inputs, updates as you edit.
Visual breakdown
Allocation and comparisons at a glance.
Next steps
- Enter your numbers to see personalized advice.
A spending analyzer shows where your money actually went last month, not where you hoped it would go. Enter take-home income and break spending into housing, transport, food, essentials, and discretionary categories to see surplus or deficit at a glance.
Use this free spending analyzer when bank statements feel messy and you need a visual composition of leaks. The biggest category and expense ratio highlight which line items deserve a cut before you rebuild a forward-looking budget.
After you know the facts, move to the budget planner or monthly budget template to assign next month’s income. No signup is required and all calculations stay in your browser.
Frequently asked questions
How does a budget calculator work?
Enter monthly income and total expenses. The calculator shows your surplus or deficit and expense ratio instantly.
Should I include savings in expenses?
Yes, if money already leaves your account for savings transfers. Otherwise, surplus shows how much you could save.
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