Budget Gap Calculator

Enter your numbers for a typical month, in whole dollars. Everything is calculated in your browser. Nothing you type is stored or sent anywhere.

This is the first step in living below your means without feeling poor: knowing the gap between what comes in and what has to go out.

This is a planning aid, not financial advice. If your essential costs (housing, utilities, transportation, groceries, debt) already exceed your income, trimming extras will not fix it. That is an income or cost problem, and your local community action agency, a nonprofit credit counselor or the 211 line can point you to help.