This page displays the Personal Budget Calculator. Covers all standard personal bills plus travel and entertainment with a complete monthly summary and 50/30/20 rule analysis.
Free Tool
Personal Budget Calculator
Every bill, every category — housing, utilities, transportation, food, health, travel, entertainment, savings and debt. Monthly totals, 50/30/20 rule check, and a full surplus or deficit summary.
Monthly income
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Social Security, pension, and annuity income are guaranteed — they arrive every month no matter what markets do. The results panel shows how much of your essential spending that guaranteed income covers.
Housing & utilities
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Healthcare
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If your income pushes you into an IRMAA bracket, your Part B and Part D premiums rise — sometimes by hundreds per month. Smart withdrawal planning (including Roth strategy) can keep you under those thresholds.
Transportation & food
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Lifestyle & entertainment
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Other expenses & savings
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Monthly surplus
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Total monthly income$0
Total monthly expenses$0
Annual income$0
Annual expenses$0
Essential expenses (needs)$0
Discretionary (wants)$0
Guaranteed monthly income$0
Essentials covered by guaranteed income0%
Healthcare spending$0
Healthcare share of budget0%
Needs
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Target: about 50% of income
Wants
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Target: about 30% of income
Savings
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Target: about 20% of income
This calculator is for educational purposes only and does not constitute financial, tax, or investment advice. For planning purposes only — actual expenses vary, and the 50/30/20 guideline is a starting point, not a rule for every retirement. Guaranteed income means Social Security, pension, and insurance annuity payments. All data entered resets when you leave this page — nothing is stored or transmitted. Review your budget at least annually and after any major life event. American Retirement Pros is an independent licensed insurance firm and is not affiliated with, endorsed by, or connected to any U.S. government agency.
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