SpendNests

A small habit. A growing nest.

Household budget calculator

Plan your month in Singapore dollars. See what remains after everyday expenses and your planned savings.

Free to use · No account needed · Amounts stay in this page and are not sent to SpendNests. Refreshing resets them.

Your monthly plan

Illustrative starting values, not recommended spending targets. Replace them with your own estimates.

Adjust the amounts, then select Calculate my budget.

The shared link never includes your amounts. The CSV contains your plan; keep it somewhere private.

How the calculator works

Remaining amount = take-home household income − housing − food − transport − family costs − other spending − planned savings. All amounts are monthly. Divide annual bills by 12 when setting a monthly allowance.

A negative result means the planned outgoings exceed the income you entered. Review the categories or savings goal until the plan is workable. A positive amount is unallocated money, not a guarantee of savings.

What should I include?

Use the income available to spend after deductions. Include repayments and recurring bills once, and avoid double-counting transfers between household members. The tool does not calculate tax, CPF, interest or investment returns.

Put your plan into practice

  1. Download your plan or keep a copy of the amounts.
  2. Create a SpendNests account and enter your budget manually. This calculator does not import it into the app.
  3. Track real expenses, then compare your actual month with your plan.

Read the seven-day tracking guide or understand Singapore spending benchmarks.

Turn a plan into a daily habit.

Try recording a sample expense, then start your own nest when you are ready.

Try the demo — no signupCreate your nest