Budgeting Income Calculator with Pay Period Calendar

Budgeting Income Calculator Sign

This calculator will forecast the combined household monthly take-home pay for up to eight income sources -- regardless of pay period type.

If your household has multiple income sources, each with different pay periods (week, bi-weekly, semi-monthly, etc.), this tool will help you to see how much spendable income will be available for each of the next 12 months.

And finally, you can view and print-out a combined monthly net-income report, or a pay period calendar for each individual income source that you enter. Cool!

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Budgeting Income Calculator

Calculate your household's combined spendable income for each of the next 12 months, for up to 8 income sources.

Special Instructions

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Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Enter/Edit/Delete IncomesEnter - Edit - Delete IncomesEnter - Edit - Delete Income SourcesEnter - Edit - Delete Income Sources

Enter/Edit/Delete Income Sources:

To add an income source, enter the name, the periodic take-home amount, and select the frequency and last pay date. When you're satisfied with the entries, tap the + button (may also appear as "Add" or "Add Income" depending on the width of your device).

To edit an income source in the list, tap the radio button in the Edit column. This will load the income source into the form for editing. When you're satisfied with the changes you've made, tap the S button (may also appear as "Save" or "Save Changes" depending on the width of your device).

To delete an income source from the list, tap the radio button in the Edit column. This will load the income source into the form for deleting. Tap the button (may also appear as "Delete" depending on the width of your device).

To clear the form to create a new income source entry, tap the C button (may also appear as "Clr" or "Clear" depending on the width of your device).

Important! The entered income sources are saved in your device's random memory (temporary storage), which means that if you surf to another calculator or close this browser window you will need to re-enter your income sources.

Inc. name:Income name:Income source name:Income source name:

Income source name:

Enter the name of the income source you want to add to your income source list.

Amount:Income amount:Income take-home amount:Income source take-home amount:

Income source take-home amount:

Enter the average take-home pay per pay period for this income source, without the dollar sign or any commas. Note that this field must have a valid numerical entry for an income source to be included in the income budget spread sheet.

Frequency:Pay frequency:Pay day frequency:Pay day frequency:

Pay day frequency:

Select the pay period frequency for this income source.

Weeklyonce per week
Bi-Weeklyonce every two weeks
Semi-Monthlytwice per month
Monthlyonce per month
Bi-Monthlyonce every two months
Quarterlyonce every 3 months
Semi-Annualtwice per year
Annualonce per year

If you select Semi-Monthly, the days of the month fields in the next row will be enabled.

Pay days:Days of month:Pay days each month:Pay days each month:

Days of month:

The fields in this row only apply to income sources that are received on a Semi-Monthly basis (twice per month). If the income source does have a Semi-Monthly pay period, enter the two days of the month that you normally get paid on. For example, if you usually get paid on the 1st and 15th, enter 1 in the first field and enter 15 in the second field.

Last pay day date:Last pay day date:Last pay day date:Last pay day date:

Last pay day date:

Select the month, day, and year of the most recent pay day for this source. For example, if your last pay day was on March 24th, 2014, you would select Mar from the month drop-down menu, 24 from the day menu, and 2014 from the year menu. Note that in some cases days of the month over 28 will be set at 28 to accommodate the month of February.

If you would like to save the current entries to the secure online database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

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Help and Tools


The secret to successful budgeting of income.

The Secret to Successful Budgeting of Income

If yours is like most households, you probably have months wherein more paychecks are received and other months wherein fewer paychecks are received.

This is normally due to weekly or biweekly pay periods, seasonal employment, seasonal profit margins, or year-end bonuses and profit sharing.

The key is to know ahead of time what your monthly spendable income will be for each of the next 12 months. In turn, this will make you aware of a very important number -- your lowest monthly income.

If possible, the goal should be to keep monthly expenditures lower than your lowest income month so that all income over and above that amount can be set aside for non-monthly bills and expenses.

Then, once you have sufficient funds set aside for non-monthly bills and expenses, you can apply other extra pay to a rapid debt reduction plan.

Imagine how great it would be to have funds readily available when irregular bills and expenses come due, and to be saving thousands of dollars in interest charges because you are paying your debts off ahead of schedule.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.