Free tool · Cash flow
How much can I spend?
Income − fixed bills − savings goal = discretionary leftover for the month.
Runs in your browser · no account required · amounts use any currency unit
Rent, utilities, minimum debt, insurance…
Discretionary
After bills and savings — without touching other goals.
In short
What is this?
This leftover spend calculator subtracts monthly bills and a savings goal from take-home income. The remainder is what you can spend freely without missing obligations or raiding savings — if leftover is negative, the plan does not close yet.
What to put in each field
- Income: net pay for the month (all take-home sources).
- Bills: rent, utilities, minimum debt, insurance, transport, and other must-pays.
- Savings goal: amount you want to set aside before discretionary spend.
When leftover is negative
Cut wants, renegotiate bills, or lower the savings target temporarily — or raise income. A negative result means the three numbers cannot all be true at once.
FAQ
- Should I include variable groceries in bills?
- Put a realistic grocery ceiling in bills if you treat food as non-negotiable; otherwise leave a buffer inside leftover.
- Is this the same as a full budget?
- It is a one-line cash-flow check. For category limits, use the monthly budget planner or category budgets in the app.
Keep the numbers in a private ledger
expenie is a solo workspace for expenses, budgets, loans, and recurring you confirm — free forever with tight caps.
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