Annual Budget Review Calculator

YoY category trend index.

Last year's income ($)

This year's income ($)

Last year's spending ($)

This year's spending ($)

Last year saved ($)

This year saved ($)

Inflation rate (%)

Tab to move between fields

Trend index

1.54

Income change (%)7.69%

Spending change (%)8%

Real spending change (%)5%

Lifestyle inflation (%)5%

This year savings rate (%)17.14%

Last year savings rate (%)15.38%

Savings rate change (pp)1.76

Spending-to-income ratio (%)77.14%

How to Use This Calculator

How the result changes with This year's spending ($)

Last year's income ($): Total gross income earned last year.
This year's income ($): Total gross income earned this year.
Last year's spending ($): Total spending last year across all categories.
This year's spending ($): Total spending this year across all categories.
Last year saved ($): Total amount saved or invested last year.
This year saved ($): Total amount saved or invested this year.
Inflation rate (%): Annual inflation rate to calculate real spending changes.

Trend index: Positive = improving financial trajectory. Combines savings rate gain and spending ratio reduction.
Income change (%): Year-over-year income growth or decline.
Spending change (%): Year-over-year nominal spending increase or decrease.
Real spending change (%): Spending change adjusted for inflation. Positive = spending grew faster than prices.
Lifestyle inflation (%): How much spending grew beyond inflation — pure lifestyle creep.
This year savings rate (%): Savings as a percentage of income this year.
Last year savings rate (%): Savings as a percentage of income last year.
Savings rate change (pp): Percentage-point improvement in savings rate year over year.
Spending-to-income ratio (%): This year's spending as a percentage of income. Lower is better.

Identify Input Parameters
4 parameters
Last year's income ($) = 65000, This year's income ($) = 70000, Last year's spending ($) = 50000, This year's spending ($) = 54000 = 7 input(s) provided
Calculate Trend index
Trend index = savingsRateChange + (lastSpendRatio - thisSpendRatio)
1.54 = 1.54
Calculate Income change
Income change = lastYearIncome > 0
7.69 = 7.69%
Calculate Spending change
Spending change = lastYearSpending > 0
8 = 8%