Expense calculator
Essential Expense Ratio Calculator
Measure how much of your monthly take-home pay is committed to required expenses.
Your essential expense ratio
55.0%StatusAbove the 55% targetRoom below target$0.00
Use your real ratio to build a workable plan
The Take-Home Plan uses 55% as a starting target, not a pass or fail score. A higher ratio means less money is available for savings, investing, extra debt payments, and discretionary spending.
If your essentials exceed 55%, start with your actual number. Customize the complete plan around your current obligations, then work toward the standard target over time.
Build a plan with my numbers →