What is left after regular income and expenses?
Left this month
$1,795
Tip. If leftover is thin, cut “other” before housing when leases are fixed.
Explore the numbers
Start with a scenario, then read the response curve to see which input actually moves the answer.
Example 1
Typical dual-category spend with room to save about 15%.
Left this month
$1,795
Example 2
Rent takes a bigger bite; leftover shrinks fast.
Left this month
$1,145
Example 3
Higher debt payment, lower discretionary “other.”
Left this month
$1,650
Sweeps housing from half to one and a half times your value, holding everything else fixed.
Response curve
Left this month
$1,795
Shows what remains after the big recurring categories. Use take-home pay, not gross, so the leftover is money you can actually assign to savings or goals.
Leftover = income − housing − food − transport − debt − other
Take-home. This planner is about cash you can spend after tax and paycheck deductions.
Average them into a monthly “other” or use the sinking fund calculator for a dedicated reserve.
It depends on goals and cost of living. Many planners aim for 10 to 20% of take-home; use the personal savings rate tool to track it directly.
Almost always because irregular spending is missing: annual renewals, car repairs, medical bills, gifts. Track three months of statements and fold the average into “other.”
No. They are educational estimates based on the inputs and assumptions on this page. Confirm important decisions with a qualified professional and your own documents.
The questions people usually ask next.