Zero-Based Budget Calculator
Have I given every dollar a job?
In a zero-based budget, income minus everything you assign equals exactly zero — including savings.
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How this calculator works
Left to assign = income − all categories. Aim for zero: positive means unassigned money, negative means you have over-planned.
Frequently asked questions
Do savings count as spending?
Yes — in zero-based budgeting, savings and investing are categories with jobs, just like rent.
Learn more
Results are estimates based on the numbers you enter and simplified assumptions. They are not financial advice. See our disclaimer.