More in Funds & Goals
What this calculator does
This calculator subtracts your fixed expenses and debt minimums from your net income. What is left is the realistic amount you can spend on fun without guilt.
The math
Fun budget = monthly net income − rent − utilities − groceries − transport − debt minimums.
Worked example
With $3,000 net income, $1,200 rent, $200 utilities, $350 groceries, $150 transport, and $250 debt minimums, you have about $50 left for fun.
Why this matters
Saving and investing work best when the timeline is concrete. This calculator replaces vague goals with a date, a contribution, or a target you can automate.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Should I include savings?
If you treat savings as a fixed bill, subtract it first. What remains is truly guilt-free fun money.
What if the result is negative?
Your fixed expenses exceed your income. You need to cut costs or increase income before you can spend on fun.
How does this differ from the 50/30/20 rule?
This uses your actual numbers, not a percentage. It tells you what is left after obligations, not what a rule says you should spend.