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Spending calculator

Where is your money going?

See where your money goes each month, and what is left over. It takes about two minutes.

  1. Enter your monthly take-home pay: what actually lands in your account.
  2. Replace every expense line with your own figure. Anything that does not apply can stay at zero.
  3. Results update as you type. Nothing is saved, so download the PDF to keep it.

Your monthly numbers

Your take-home income and typical monthly spending. Change anything and the results update as you type.

What actually lands in your bank account each month, after taxes and paycheck deductions such as your 401(k).

These are example figures, not yours. Replace them line by line, or start from a blank sheet.

Needs$3,800guideline $3,000
Wants$900guideline $1,800
Savings and goals$870guideline $1,200

Pre-tax retirement contributions such as a 401(k) come out before your take-home pay, so they are already accounted for. Do not add them here. Use Investments for after-tax investing like a Roth IRA or brokerage account.

Based on example figures

Left over each month

$430

not yet assigned

  • Needs63%$3,800
  • Wants15%$900
  • Savings and goals15%$870
  • Not yet assigned7%$430

How you compare to 50/30/20

A common guideline: 50% needs, 30% wants, 20% savings and debt. The vertical mark on each bar is the guideline.

Needs63% vs 50%

$800 a month above the guideline

Wants15% vs 30%

Within the guideline

Savings and goals15% vs 20%

$330 a month below the guideline

Housing30% of take-home

Your housing sits within the 30% guideline, which is solid in a high-cost market and frees up room for everything else.

Good: You have $430 a month not yet assigned. Directing it to savings or debt would put it to work.

Watch out: Needs are 63% of take-home pay against a 50% guideline. Housing is usually the largest factor.

What your savings could grow to

If you keep saving $870 a month.

In 10 years

$142,575

In 30 years

$873,928

Illustrative only. Assumes a hypothetical 6% average annual return compounded monthly, with steady contributions and no withdrawals. This is not a prediction, a recommendation, or financial advice, and actual results will vary.

Recommended

Save your snapshot before you go

These figures disappear when you close the page. The one-page PDF keeps them, and it is the most useful thing to bring to a conversation.

Want a second set of eyes on this?

A short conversation can turn this snapshot into a plan.

Schedule a conversation

Nothing you enter here is saved or sent to us. The figures stay in your browser.

Chrome Advisors, LLC is a registered investment adviser based in San Francisco, California. For additional information about Chrome Advisors, LLC, you can access a copy of our Form ADV Disclosure Brochure, on https://adviserinfo.sec.gov. The Disclosure Brochure will provide you with a full description of the firm’s business operations and services.

This tool should not be interpreted or construed as any of the following, investment, legal, tax, financial planning, or wealth management advice. It does not substitute for personalized investment or financial planning from Chrome Advisors, LLC. The information herein should not be considered a solicitation to engage in a particular investment or financial planning strategy.