Monthly budget

Enter income and typical expense categories to estimate leftover cash and a simple 50/30/20 mix.

Map household finances month by month so leftover cash can inform how much should I save for retirement after essential spending.

Labels the illustrated state and tax-year pack. This tool’s numbers do not change with state income tax. Medicare, HSA, 401(k), and RMD rules stay federal.

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Nothing is saved. Leaving this page restores the example.

Example report

Illustrated results

Monthly leftover

$2,500

Needs vs 50% guideline

63.1%

Wants vs 30% guideline

5.6%

Available to save vs 20%

31.3%

Spending mix

Assumptions

  • 50/30/20 is a simplified educational guideline, not a required budget.
  • Needs include housing, utilities, food, transportation, insurance, healthcare, and debt payments.
  • Rule year 2026: IRS federal income tax (2026-rev-proc-2025-32) and California state rules (2026-enacted-v1; progressive income tax). Medicare IRMAA, HSA, 401(k), and RMD tables are federal.

Educational planning software—not investment, tax, legal, Medicare, or Social Security advice. Projections depend on your inputs and assumptions. Optional professional review is separate when available.

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