Simple Budget Calculator

Women’s Budget Calculator

Monthly Budget

Income

Primary Job (after taxes):

Side Hustle/Freelance:

Other Income:

Essential Expenses

Housing (Rent/Mortgage):

Utilities (Electric, Water, Gas):

Groceries:

Transportation:

Healthcare:

Childcare:

Debt Payments:

Non-Essential Expenses

Dining Out:

Entertainment:

Shopping (Clothing, etc.):

Personal Care:

Subscriptions:

Savings & Investments

Emergency Fund:

Retirement:

Other Savings Goals:

Financial Tips for Women

Equal Pay Advocacy: Research salary standards in your industry and advocate for fair compensation. Document your achievements for performance reviews and salary negotiations.
Emergency Fund Priority: Women often face more career interruptions. Aim for 3-6 months of essential expenses in your emergency fund, or 6-12 months if self-employed.
Retirement Planning: Women typically live longer than men. Consider saving 15-20% of income for retirement, and take full advantage of employer matches.
Investing Confidence: Don’t let the “confidence gap” keep you from investing. Start small if hesitant, and consider joining investment groups with other women to share knowledge.
Career Break Planning: If planning to take time off for caregiving, understand its financial impact. Explore flexible work options and continue retirement contributions if possible.