Monthly budget calculator
Start with take-home income, enter the categories that actually apply, and see the remaining buffer without forcing your life into a generic percentage rule.
Your calculator entries stay in this browser tab. Kasyafi does not save them or send the amounts to analytics or advertising systems.
Map one month of income
Start with take-home income, then include the categories that reflect your real obligations. Zero is valid when a category does not apply.
Start with take-home pay
Use the income that reaches you after payroll deductions. Keep likely or variable income separate until it is confirmed.
Real obligations come before a framework
Housing, utilities, debt minimums, transport, medicine, and education costs do not become wrong because they exceed a suggested percentage. The first goal is an honest allocation.
Use 50/30/20 only as context
The common framework groups money into needs, wants, and savings or debt. It can prompt useful questions, but it is not a universal standard and does not account for your local costs or due-date timing.
A monthly total still needs dates
A balanced month can still run short before payday when several obligations arrive first. After the categories balance, place each bill against the payday that funds it.
Questions people ask next
What if income is zero or irregular?
Use confirmed income for the period you are planning. A zero-income result can still show the size of obligations that need another funding plan.
Should debt payments count as needs or savings?
Labels vary by framework. Kasyafi keeps required debt payments explicit instead of hiding them inside a broad category.
What should I do with a remaining buffer?
Keep it unassigned as breathing room or deliberately allocate part to savings, debt, or flexible spending. Avoid treating every peso as already committed.
Continue with the next useful step
How to budget your salary
Build the monthly categories around actual payday and due-date timing.
Safe-to-Spend calculator
Narrow the monthly plan to the period before your next payday.
Why am I always short before payday?
Find timing gaps, irregular costs, and early-cycle spending pressure.
How to budget a 15th-and-30th salary
Turn monthly totals into two real cash-flow windows.
Keep the estimate useful after today.
Bring balances, bills, income, and your chosen buffer into one private Kasyafi plan. Your financial workspace stays free of third-party ads.