Most people underestimate one or two categories in their own spending until they actually write the numbers down. This calculator breaks your expenses into common categories and shows exactly what share of your income each one takes.
Why percentages matter more than raw numbers
Knowing you spend $600 on food means little on its own — knowing it's 13% of your income makes it comparable across months, across raises, and against general guidelines like the 50/30/20 rule.
What to do with this breakdown
Once you see the percentages, the highest non-essential category is usually the easiest place to look first if you want to free up more for savings or debt payoff.