Monthly Budget Calculator
Compare your income against your expenses to see your monthly surplus or deficit.
How this is calculated
All expense categories are summed and subtracted from your income. A positive result is your surplus; a negative one is a deficit. Savings rate is the surplus divided by income.
Frequently asked questions
How is this different from the Cost of Living Estimator?
The Thailand Cost of Living Estimator projects typical costs for a city and lifestyle in Thailand. This tool is for tracking your own actual income and expenses, wherever you live, to see if you’re running a surplus or a deficit.
Why does 'debt payments & savings' count as an expense?
Treating planned savings and debt repayment as a line item — rather than whatever's left over — is a common budgeting approach. It shows your true discretionary surplus after those commitments are met.
What's a healthy savings rate?
It depends heavily on your goals and stage of life, so this tool doesn't judge the number — it just shows it clearly so you can decide for yourself.