Monthly Spending Budget Ratio Calculator

Step 1: Monthly Bills

Rent/Mortgage Groceries Car Payment Gas/Transportation Utilities Phone/Internet Subscriptions Insurance Credit Card Payments Other

Total Monthly Bills: $0

Step 2: Income & Work

Monthly Income (After Taxes) Hours Worked This Month

Step 3: Your Spending Ratio

Spending Ratio: 0.00

Spending Ratio = Income ÷ Total Monthly Bills

Step 4: "THE NUMBER"

THE NUMBER: 0.00

More details below.

What It All Means

• Spending Ratio < 1.0 → You're overspending – try to cut back
• Spending Ratio = 1.0 → You're breaking even – use caution
• Spending Ratio > 1.0 → You have extra room – good job!


• THE NUMBER → Shows how many dollars you made per hour worked after taxes - This will help you understand how much per hour it will take to pay for something you want. This may help you decide if you want to spend X amount of hours working to pay for a certain item(s).