Zero-Based Budget Calculator

Give every dollar a purpose with zero‑based budgeting! Assign your income to bills, savings, debt, and fun before the month begins so nothing is left unplanned. Try our calculator to see your plan in action and stay one step ahead of your finances.

Zero-Based Budgeting Calculator

Monthly Income ($):

Category Name: Amount ($):

Category	Amount ($)
Total	$0

How to Use the Zero-Based Budget Calculator

1. Enter Your Income
Start by typing your total monthly income in the “Monthly Income” field.

2. Add Your Spending Categories

Enter a category name (e.g., Rent, Groceries, Utilities).
Enter the amount you plan to spend for that category.

3. Add More Categories (Optional)
If you have more categories than the default, click the “+ Add Category” button to create extra fields.

4. Calculate Your Budget
Click the “Calculate” button. The calculator will:

Show a table of all your categories and amounts.
Add up your total expenses.
Tell you whether your budget is zero-based, under budget, or over budget.

5. Adjust Your Budget

If your budget is under, you can assign the remaining money to savings, debt repayment, or fun categories.
If it’s over, reduce spending in some categories until your income minus expenses equals zero.

6. Repeat Each Month
Use the calculator each month to plan your income and give every dollar a purpose.

Learn More About Zero-Based Budgeting

Want a deeper look at how zero-based budgeting works in real life and tips for making it stick? Check out our full guide.