Free detailed budget calculator
Build your real money plan.
Break down income, bills, everyday costs, goals, and annual expenses. See what to protect and what remains on each payday.
Based on 12 paydays a year · Other
Add income and expenses to see your plan take shape.
The formula
Give every expense the right job.
Vault covers predictable required bills, one twelfth of annual costs, and your chosen buffer contribution. Flow covers everyday essentials and adjustable lifestyle spending. The summary compares both with your take-home income.
Why are groceries outside Vault?
Groceries are necessary, but their amount can change each week. They need a realistic Flow allowance while rent, utilities, and other fixed commitments stay protected in Vault.
How are annual costs handled?
Enter the yearly total for each predictable non-monthly expense. The calculator divides it by 12 and adds that provision to Vault. If a bill is due soon, you may need to set aside more until the first payment.
What about bonuses and extra pay?
Enter 13th/14th pay and other irregular net income as yearly amounts. They appear in the annual view but do not inflate your regular monthly balance or the amount available for recurring bills.
Can I save or compare plans?
Saving is optional and keeps the plan only in this browser on this device. You can restore or remove it later. To compare a change, set the current plan as a baseline and edit the amounts; the comparison does not require an account.
Why not convert gross pay automatically?
Actual take-home pay depends on taxes, social contributions, deductions, and individual circumstances. Choose your country and currency for context, but enter the net figure from your payslip to calculate what is available.
Every listed country links to its official tax authority. Some also have an official public tool: the guide distinguishes take-home estimators from calculators that cover only taxes or payroll deductions. An authority website is not itself a net-pay calculator, and published tax rules are no guarantee that an estimate matches your payslip. Check the applicable tax year, residence, location, family circumstances, and deductions. Where no suitable calculator has been verified, use the regular net amount on your payslip.
For Austria, the Ministry of Finance gross-to-net calculator can account for family and commuting circumstances; plan 13th/14th payments separately from ordinary monthly income. For Switzerland, the Federal Tax Administration tax calculator compares tax burdens by canton and municipality, but is not a complete salary net-pay calculator.
Need help classifying expenses? Read Bills vs Spending and the full Vault formula guide.
Results depend entirely on the numbers entered. This is not a tax calculator; country selection does not calculate net income. Fees, account protections, and tax treatment vary by country. Verify your own obligations before moving money.