Benchmark your spending against standard personal finance guidelines. Find out exactly what percentage of your paycheck goes to housing, transport, food, debt, and savings.
Enter your values, then select Calculate Now
Calculates each spending category as a percentage of total income: Category Percentage = (Category Amount / Monthly Income) * 100%.
Housing is within the golden 30% rule, and savings matches the ideal 20% benchmark.
Enter your monthly net take-home income.
Input dollar amounts for housing, transportation, food, debt, and savings.
Examine the resulting percentage breakdown compared against financial guidelines.
Adjust spending if housing exceeds 30-35% or transport exceeds 15% of your income.
Financial experts universally advise keeping total housing costs (rent/mortgage, taxes, insurance) at or below 28% to 30% of gross income, or under 35% of take-home pay.
Keep total transportation costs (auto loan, gas, maintenance, and insurance) under 10% to 15% of your take-home income.
If total percentages exceed 100%, you are operating at a financial deficit and spending more than you make.
Most budgeting ratios work best when calculated using net (take-home) income since that is what actually enters your bank account.
Aim for at least 15% of your gross income or 20% of your net take-home pay dedicated to long-term retirement and emergency savings.
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