Household personal budget. Reduce expenses, lower bills and save money.

For successful money management, first create a personal household budget. Reduce expenses and lower bills with our free budget calculator.

How to use our personal household budget planner:

Fill out the white boxes in Steps 1 and 2 (do not fill in the gray boxes).

Step 1: Enter your monthly (before tax) income, and click on the "Calculate" button. Our form will automatically calculate your estimated taw withholdings and your net income.

Step 2: Enter your monthly expenses.

Your final balances will appear in the right hand side boxes.

To have the financial lifestyle you desire, you need to create a household budget and define your personal goals. Decide what you want, such as a home or a comfortable retirement, how much you need to save, and when you hope to achieve these goals.

To save more, first calculate your current finances and where you can reduce expenses to help you save more, faster. Use our form above to help you calculate a household budget and trim expenses.

Keep track of your income and expenses every month. And don't forget to calculate money you put into savings. If you are spending all your income and never have money to save or invest, you'll need to look for ways to cut back on your expenses, such as by paying off credit cards or other high interest bills. 

A savings account is usually the safest place to save money while still having easy access to funds in the event of an emergency. So get busy... create your personal budget today.

Household Personal Budget: Read our latest information about personal finance.

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Our free savings calculator can help you curb expenses and increase your savings account.

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Tax time: Get IRS tax help and free online tax return filing.

Need more information? Read our financial and credit articles related to debt, and join our online financial newsletter.

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