Total up monthly income and expenses for a full year.
An annual budget scales monthly flows to twelve months and adds irregular annual costs, giving a full-year view. Yearly planning catches infrequent big expenses that a monthly view would miss and underfund.
Annual Budget
Annual surplus = income x 12 - (expenses x 12 + one-off)
Annual surplus = income x 12 - (expenses x 12 + one-off) An annual budget scales monthly flows to twelve months and adds irregular annual costs, giving a full-year view.
Yearly planning catches infrequent big expenses that a monthly view would miss and underfund.
This calculator takes 3 inputs: Monthly income, Monthly expenses, Annual one-off expenses. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.