Everyday life
Household budget Calculator
See spending, savings and your monthly surplus. This free household budget calculator shows the calculation and its assumptions so you can compare your own figures.
Calculated on your device
Your results
Surplus€500.00
See spending, savings and your monthly surplus.
Savings Rate14.29%
Calculated outcomes
- Income
- €3,500.00
- Expenses
- €2,500.00
- Savings
- €500.00
Assumptions and estimates
- All amounts must use the same period. A negative surplus means planned spending and saving exceed income.
- Method: Surplus = income − expenses − planned savings.
- Enter all values for the same month. A negative surplus signals a shortfall.
Useful next steps
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the household budget calculation works
Surplus = income − expenses − planned savings.
Enter all values for the same month. A negative surplus signals a shortfall.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review surplus and savings rate, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Monthly take-home income (€)
- 3500
- Housing (€)
- 1200
- Utilities (€)
- 200
- Food (€)
- 400
- Transport (€)
- 250
- Debt payments (€)
- 100
- Other spending (€)
- 350
- Planned savings (€)
- 500
- Surplus
- €500.00
- Savings Rate
- 14.29%
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