Calculateur de Budget Gratuit — Revenus, Dépenses et Épargne
Planifiez votre budget personnel ou familial en toute simplicité. Entrez vos revenus et dépenses pour calculer votre solde net, votre taux d'épargne et votre projection annuelle. Entièrement gratuit, sans inscription.
Budget Calculator
Description
Type
Amount
Comment utiliser le calculateur de budget
Saisissez vos revenus (salaire, autres revenus…) et vos dépenses (loyer, alimentation, transport…). Choisissez la période (mensuel ou annuel) et cliquez sur Calculer.
Understanding Your Budget Results
Total Income is the sum of all rows marked as Income. Total Expenses is the sum of all Expense rows. Net Balance is income minus expenses — a positive figure means you are living within your means; a negative figure means you are spending more than you earn and need to cut costs or increase income. Savings Rate shows what percentage of your income you are saving. In Monthly mode, the Projected Annual Net multiplies your monthly net balance by 12 to show what you are on track to save or overspend in a year.
The 50/30/20 Budget Rule
One of the most widely used budgeting frameworks divides your after-tax income into three categories:
50%
Needs
Rent, utilities, groceries, transport, insurance — essentials you can't avoid
30%
Wants
Dining out, streaming, hobbies, travel — lifestyle choices you can reduce
20%
Savings
Emergency fund, investments, debt repayment — your financial future
The 50/30/20 rule is a starting point, not a rigid rule. High cost-of-living cities may push needs above 50%. High earners often target 30–40%+ savings rates. The key is knowing your numbers — which is exactly what this calculator gives you.
Au moins 10 à 20 % des revenus nets est généralement recommandé.
Listez revenus, dépenses fixes (loyer, abonnements) et variables (alimentation, loisirs). Calculez la différence.
Oui. Cliquez sur + Ajouter pour insérer autant de lignes que nécessaire.
Savings Rate = (Total Income − Total Expenses) ÷ Total Income × 100. If you earn $5,000 per month and spend $4,000, your savings rate is ($5,000 − $4,000) ÷ $5,000 × 100 = 20%.
The 50/30/20 rule divides after-tax income into: 50% for needs (rent, food, utilities), 30% for wants (dining out, entertainment), and 20% for savings and debt repayment. It is a simple, flexible framework for maintaining financial health.
A complete monthly budget should cover all income sources and all expense categories: housing (rent/mortgage), utilities, groceries, transport, insurance, subscriptions, dining out, personal care, debt repayments and savings. Capturing every category — even small ones — gives an accurate picture of your financial position.
The traditional guideline is to keep housing costs below 30% of gross income. Some advisors now suggest 25% of net income as a more conservative target, freeing up more money for savings, investing and other goals.