What does this tool do?
Zero-based budgeting assigns income to specific categories until nothing is left over. This calculator totals your main categories and shows the amount still to allocate or the overspend.
The Formula
Left to assign = Income − (Housing + Living + Transport + Other)Frequently Asked Questions
What does zero-based mean?
Income minus assigned spending and savings equals zero. Every unit is planned rather than left unallocated.
What if my income varies?
Budget from the lowest reliable month and treat extra income separately. Recalculate when income changes.