A free income and expense calculator — see exactly how much money you have left
Free Income and Expense Calculator
An income and expense calculator compares everything that comes in with everything that goes out, so you know precisely how much money remains. Clear Budget adds together income and expenses that arrive on different schedules — daily, weekly, biweekly, semi-monthly, monthly, quarterly or annual — converts them into comparable values, and shows your available money in one clear picture.
- 100% free
- Private by design
- 7 frequencies compared
- Multi-currency budgeting
01— The basics
What is an income and expense calculator?
An income and expense calculator puts the two sides of your money on the same table. On one side it totals every source of income — salary, side work, benefits, freelance pay. On the other it totals every expense — rent, groceries, transport, subscriptions, debt payments. The difference between the two is your available money: the cash you genuinely have left to save, invest or spend once every obligation is covered.
Unlike a monthly or weekly budget calculator, an income and expense calculator is not tied to one time frame. Its job is comparison — lining up what comes in against what goes out, whatever the cadence of each item, so the answer to "how much do I have left?" is always accurate.
Total income
Every source of money coming in, added together — no matter how often it arrives.
Total expenses
Every regular cost, added together — from rent and groceries to subscriptions and debt.
Available money
Income minus expenses — the cash you have left to save, invest or spend freely.
02— The calculation
The calculation is one line
At its heart, an income and expense calculator does a single subtraction. Add up everything you earn, add up everything you spend, and take one from the other:
The result tells you the truth about your money. A positive number means you live below your means and have cash to put to work. A negative number means your expenses outrun your income and something has to give — a want to cut, a bill to lower, or income to raise.
Positive: surplus
You spend less than you earn. The leftover cash can be directed toward savings and investments.
Zero: balanced
Income and expenses match exactly. Every dollar is spoken for — but nothing is left to save.
Negative: shortfall
Expenses exceed income. Trim a want, lower a recurring bill, or find additional income to close the gap.
03— Different frequencies, one comparison
Compare income and expenses with different frequencies
Real life rarely lines up neatly. A salary might arrive semi-monthly, a freelance gig biweekly, rent monthly, a streaming subscription annual, and a train pass quarterly. Adding those raw amounts directly would be meaningless — you would be mixing weeks with months with years. Clear Budget solves this by converting every line to a common yearly basis first, then expressing the totals in any period you want.
Enter each income and expense the way it actually occurs. Clear Budget handles all of these frequencies and converts them into comparable values automatically:
Daily
A small daily cost — a coffee, a toll — scaled up to a full year so it sits beside monthly bills.
Weekly
A weekly grocery run or part-time wage, converted to the same yearly basis as everything else.
Biweekly
A paycheck every two weeks (26 per year), normalized alongside monthly and annual items.
Semi-monthly
Two paychecks a month on fixed dates (24 per year), made comparable to any other cadence.
Monthly
The classic rent, utility or subscription — already on a monthly rhythm, ready to total.
Quarterly
A bill paid every three months, like some insurance or taxes, spread across the year.
Annual
A once-a-year cost — car registration, a membership — divided so it counts month by month.
And more
Hourly, weekdays, every 3 or 4 weeks, every 2/4/6 months, semi-annually, one-time and custom.
One yearly basis, then every period at once
Once every income and expense is on the same yearly footing, Clear Budget shows your totals as Daily, Weekly, Monthly and Annual at the same time. So a daily coffee, a biweekly paycheck and an annual insurance bill finally sit on one balanced sheet — and your available money is correct in every time frame.
04— Put the remainder to work
Allocate the money remaining after expenses
Knowing your available money is only the first half of the job. The second half is deciding where it goes. The money remaining after expenses is exactly what you have available to save and invest — and Clear Budget lets you allocate it across as many goals as you like, each on its own frequency.
Emergency fund
Build 3 to 6 months of expenses as a buffer against the unexpected.
Investments
Put surplus cash to work in the market for long-term growth.
Retirement
Pay your future self with regular contributions to a pension or IRA.
Goals
Save toward a vacation, a home, education or any personal target.
Add a savings or investment line for each goal, enter the amount the way you contribute to it — a monthly transfer, a biweekly slice of each paycheck, an annual lump sum — and Clear Budget converts it just like income and expenses. You can see at a glance whether your planned savings fit inside your available money, or whether you have promised more than your surplus allows.
05— The tool
A free income expense calculator that handles every cadence
Clear Budget is a free income and expense calculator. Enter your income and expenses exactly as they occur — daily, weekly, biweekly, semi-monthly, monthly, quarterly or annual — and it converts every line to a common basis, totals each side, and shows your available money across Daily, Weekly, Monthly and Annual views. Then allocate the remainder toward savings and investments, all in the same place. No spreadsheet, no account, no sign-up.
Any frequency compared
Daily, weekly, biweekly, semi-monthly, monthly, quarterly and annual amounts all converted to one basis.
Private by design
Your numbers stay in your browser. No account, no sign-up, no tracking of your income and expenses.
Multiple currencies
Calculate in multiple currencies and switch any time without losing your entries.
Ready to compare your income and expenses?
Open the free Clear Budget calculator. Add your income and expenses in whatever frequency they arrive, see your available money instantly, then allocate the remainder toward savings and investments — privately, in your own browser.
100% free · No account needed · Private by design