Zero Based Budget

Free Zero Based Budget calculator with clear step-by-step results.

About Zero Based Budget

Zero-based budgeting assigns every dollar to a job so income minus outflows is zero.

Formula

Allocated = expenses + savings; unallocated = income − allocated

Worked example

With the default values below, Zero Based Budget returns Total Allocated of $4,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Income for the periodminimum 0 $: 4,000 $
Total planned expensesminimum 0 $: 3,600 $
Planned savingsminimum 0 $: 400 $

Results

Total Allocated: $4,000.00
Unallocated (should be 0): $0.00
Allocation: 100.0%

Step by step

1Values used
2Formula
3Total Allocated= $4,000.00
4Unallocated (should be 0)= $0.00
5Allocation= 100.0

Assumptions and limits

The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation or tax into account.
Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Frequently Asked Questions

How does this calculator work?