Household budget calculator: how much margin do you have?
It splits your income into five jobs, following Ron Blue: living, debt, giving, saving and what is left without a plan. The result is your margin — the room between your income and what is already spoken for.
Enter rough amounts from last month. A margin below 5% means one repair can wreck the month; 15% or more is healthy breathing room.
The 5 buckets test: how much margin do you have?
Enter rough monthly amounts.
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Frequently asked questions
What is financial margin?
Income minus living costs and debt payments. Margin is where saving, giving and the unexpected come from.
What margin is healthy?
We use these bands: below 0% deficit, below 5% critical, 5–15% tight, 15% and above healthy.
Does the calculator store my data?
No. It runs only in your browser — no cookies, no account, nothing is sent.
