Single Income Budget Calculator

Budget for single-income households with dependents, childcare costs, and financial vulnerability assessment.

Monthly net income ($)

Number of dependents

Housing/month ($)

Has childcare costs (0/1)

Childcare per child/mo ($)

Tab to move between fields

Monthly surplus ($)

$1,240

Essential expenses ($)$2,760

Savings target ($)$400

Discretionary budget ($)$840

Financial vulnerability (0-100)10

Housing ratio (%)30%

Housing Target1,200

How to Use This Calculator

Enter the single earner's monthly net income after all payroll deductions.
Input all household fixed expenses: mortgage or rent, insurance, utilities, debt payments.
Set variable household expenses: groceries, fuel, childcare, clothing.
Review the monthly surplus and the percentage of income consumed by fixed costs.
Build a 6-month emergency fund target given the single income risk exposure.

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