Budget Calculator - Take Control of Your Personal Finances

The Budget Calculator is a powerful yet easy-to-use tool designed to help you plan and manage your personal finances effectively. Whether you're tracking monthly expenses, planning for savings, or analyzing your spending habits, this calculator provides a comprehensive breakdown of your income and expenditures to give you a clear financial picture.

Key Features:

✅ Income Analysis – Calculate your total before-tax and after-tax income, including salary, investments, pensions, and other sources.
✅ Expense Tracking – Categorize and monitor expenses across housing, transportation, living costs, healthcare, debt payments, and more.
✅ Net Balance – Instantly see your monthly/annual surplus or deficit to understand your financial health.
✅ Debt-to-Income (DTI) Ratio – Assess your debt burden with Front-End and Back-End DTI ratios to ensure financial stability.
✅ Expense Breakdown – View spending as a percentage of income to identify areas for improvement.
✅ Savings & Investment Insights – Track retirement contributions, emergency funds, and other investments with recommended savings targets.

Why Use This Budget Calculator?

✔ Personalized Planning – Adjust values to match your real income and expenses.
✔ Visual Financial Overview – Clear tables and percentages highlight spending patterns.
✔ Smart Recommendations – Get alerts if your DTI ratio is too high or savings are too low.
✔ Free & Easy to Use – No sign-up required—just input your numbers and calculate instantly!

Take the first step toward financial freedom—try the Budget Calculator today! 🚀