This calculator shows three views of your budget: recommended spending ranges, how your actual spending compares, and what you have left after must-haves. No guilt trips about coffee. Just math on the big stuff that actually matters.
The reality: Budgets fail when they focus on pennies instead of dollars. This calculator helps you see if your housing, transportation, and savings are sustainable. Everything else is noise.
These ranges come from the 50/30/20 rule and typical budget breakdowns. They are guidelines, not laws. High cost of living areas will skew higher on housing. People building wealth aggressively will spend more on savings.
The point is not perfection. The point is knowing whether you are wildly out of whack on the big three: housing, transportation, and savings.