CalcKenya
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Budget Calculator

Create a comprehensive monthly budget with Kenya-specific categories to track income, expenses, and savings goals

Monthly Salary (Net Pay)

KES

Business/Self-employed Income

KES

Side Hustle Earnings

KES

Investment Income

KES

Remittances (Family/Diaspora)

KES

Other Regular Income

KES

📊 Budget Summary

Total Monthly Income
KES 50,000
Essential Expenses (Needs)67.8% of income (Target: 60%)
KES 33,875
Flexible Expenses (Wants)18.6% of income (Target: 25%)
KES 9,300
Savings & Investments0.0% of income (Target: 15%)
KES 0
Total Monthly Expenses
KES 43,175
SurplusGreat! You have money left over
KES 6,825

📊 Budget Breakdown Visualization

💰 Total Income Sources

KES 50,000
Monthly Salary
100.0%KES 50,000

🏠 Essential Expenses Breakdown

KES 33,875
Housing & Utilities
46.9%KES 15,900
Transportation
14.2%KES 4,800
Food & Groceries
16.2%KES 5,500
Communication
3.8%KES 1,300
Healthcare
12.9%KES 4,375
Family Support
5.9%KES 2,000

🎯 Flexible Expenses Breakdown

KES 9,300
Personal Care & Lifestyle
21.5%KES 2,000
Entertainment & Recreation
10.8%KES 1,000
Dining & Social
43.0%KES 4,000
Travel & Leisure
16.1%KES 1,500
Gifts & Giving
8.6%KES 800

💎 Savings & Investments Breakdown

KES 0

💸 Total Expenses Breakdown

KES 43,175
Essential Expenses
78.5%KES 33,875
Flexible Expenses
21.5%KES 9,300

🎯 Complete Budget Overview (Income vs Expenses)

KES 50,000
Essential Expenses
67.8%KES 33,875
Flexible Expenses
18.6%KES 9,300
Surplus
13.7%KES 6,825

Share Budget Summary

💡 Budget Analysis & Tips

• Your essential expenses (67.8%) are above the recommended 60%. Consider reducing housing, transport, or food costs.

• Your savings rate (0.0%) is below the recommended 15%. Try to increase your emergency fund and long-term investments.

• Excellent! You have a significant surplus. Consider increasing your savings or investments to build wealth faster.

📋 Important Notes:

  • • This calculator uses Kenya-adapted budget percentages suitable for local income levels
  • • Include all sources of income and be honest about your expenses for accurate results
  • • Review and adjust your budget monthly to account for changing circumstances
  • • Emergency fund should cover 3-6 months of essential expenses
  • • Consider seasonal expenses like school fees, Christmas, and annual insurance premiums
  • • Use mobile banking apps to track your actual spending against this budget
  • • Results are for guidance only - adjust based on your personal financial goals

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REFERENCES

Budgeting Tips to Start 2025 RightKCB Budget Planning GuideSmart Spending Habits in KenyaBudgeting and Smart Spending Guide50/30/20 Budget Rule ExplainedHF Group - Budgeting 101
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