![]() To determine what to enter under Salary/Wages in the budget calculator, follow these steps: Remember, this is the amount you can spend every month, so be sure to use your net income - which is the money you’re left with after taxes and deductions for things like health insurance and your 401(k), not your gross income, which is your total pay before any deductions. Ready to get started? To use our monthly budget calculator, first you need to figure out your monthly income. There are a variety of online budget tools available.Build your budget in 3 easy steps Step 1: How to figure out your monthly income Now take that thought of “budget” and do something about it. If you are thinking “budget” then you are thinking in the right direction. Thankfully we were able to use free printable budget sheets and budget templates to get us out of that scary place. My husband and I used to be in over $55,000 worth of credit card debt.
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