See what share of income each expense category consumes.
Each expense ratio is that category's spending as a share of income, letting you spot categories that are out of proportion. Benchmarks like the 30 percent housing rule provide a quick sanity check, though local costs vary widely.
Expense Ratio
Ratio = category spend / income x 100
Ratio = category spend / income x 100 Each expense ratio is that category's spending as a share of income, letting you spot categories that are out of proportion.
Benchmarks like the 30 percent housing rule provide a quick sanity check, though local costs vary widely.
This calculator takes 5 inputs: Monthly income, Housing spend, Food spend, Transport spend, Other spend. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.