Budget Simulation
202512-category spending simulation against your take-home
Frequently Asked Questions
How do I use the budget simulator?
Start by entering your take-home pay, select a lifestyle preset, then adjust the sliders. Aim for housing under 30%, food under 15%, and savings at 20%+ for a financially healthy budget.
What is the difference between Frugal and YOLO presets?
Frugal targets housing 25%, food 10%, savings 30% to prioritize the future. YOLO allocates 40%+ to leisure, dining, and hobbies with a lower savings ratio. Choose based on your financial goals.
My monthly disposable income is negative. What should I do?
Total expenses exceed take-home pay. Reduce the largest categories (housing, food) first, or use the reverse salary calculator to find the income needed for your spending level.
Do I need to fill in all 12 categories?
No. Leave unused categories (e.g., education, medical) at zero. Empty categories count toward your disposable income.
Can I get financial advice based on these results?
This simulator is a reference tool and does not replace professional financial advice. Please consult a certified financial planner for personalized guidance.