Zero-based budget calculator

Give every dollar a job.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Monthly income

Housing

Transport

Food

Other

Debt payments

Unassigned

$1,030

Total allocated

$4,170

With these inputs, unassigned comes to $1,030. Total allocated works out to $4,170.

What moves the number · Unassigned

Input	−10%	Now	+10%
Monthly income	$510	$1,030	$1,550
Housing	$1,195	$1,030	$865
Transport	$1,078	$1,030	$982
Food	$1,102	$1,030	$958
Other	$1,120	$1,030	$940
Debt payments	$1,072	$1,030	$988

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Give every dollar a job.

With the defaults above, unassigned works out at $1,030.