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This calculator will help you determine your expenses and estimate your total surplus income. It lists most categories of income and expenditure, but is very flexible, allowing you to make as many entries as you wish. Based on the figures entered, your estimated total income, expenses and budget surplus will be calculated.

1. Enter the values for your monthly income and expenditure. Use the boxes below for a quick result, or click on each category link below the Income and Expenditure headings and enter more detailed information if you prefer.

2. You may change the value in any field at any time.

3. Click the "Calculate" button to calculate your result.

4. If you want to start again at the beginning, click the 'Reset' button.

    

   INCOME EXPENDITURE   Salary after tax: $ Mortgages: $ Government Benefits: $ Rent: $ Super./Pension: $ Utilities: $ Interest/Dividends: $ Credit Cards: $ Annuities: $ Loans: $ Other Income: $ Insurance Policies: $ Car Expenses: $ Living Expenses: $ Entertainment: $ Education Expenses: $ Other Expenses: $ RESULT Total Income: $ Total Expenditure: $ YOUR SURPLUS IS: $