Estimate what you can afford based on your income. Enter your monthly income, expenses and savings goal to see your disposable income, an affordable budget and savings potential.
Enter your monthly income, your monthly expenses and a savings goal. The calculator finds your disposable income, a suggested affordable budget (half of disposable income) and what you could save after your goal.
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An affordability calculator shows how much spending room you have each month after essentials, suggests a budget, and reveals what you could put toward savings — the starting point for any spending decision.
It's a conservative rule of thumb leaving room for both savings and fun. Adjust the percentage to your situation — the 50/30/20 rule splits income into needs, wants and savings.
Disposable income goes negative, signalling you're spending more than you earn. The affordable budget and savings potential will then be zero — time to cut costs or raise income.