Monthly Budget Calculator
Visualize where your peso goes. Add, rename or remove categories to match your life.
Use your net pay after SSS, PhilHealth, Pag-IBIG and tax.
Expenses
Budget breakdown
- Rent / Mortgage26.7%₱12,000
- Food & Groceries17.8%₱8,000
- Utilities (Meralco, water)7.8%₱3,500
- Transport / Fuel8.9%₱4,000
- Internet & Mobile4.4%₱2,000
- Insurance / HMO5.6%₱2,500
- Loan / Credit Card6.7%₱3,000
- Dining & Leisure6.7%₱3,000
- Savings & Investing15.6%₱7,000
You're spending less than you earn — direct the surplus to savings or investing.
Printed from MoneyHub PH Monthly Budget Calculator — moneyhubph.com/calculators/monthly-budget
Frequently asked questions
How should I split my monthly budget in the Philippines?
A common starting point is the 50/30/20 rule — 50% needs (housing, food, utilities, transport), 30% wants (dining, subscriptions, leisure), and 20% savings & debt repayment. Adjust to your reality; renters in Metro Manila often need 55–60% for needs.
Should I include SSS, PhilHealth, Pag-IBIG and tax here?
Use your take-home (net) pay as the monthly income. Mandatory contributions and withholding tax are already deducted before you receive your salary.
What if my expenses exceed my income?
The summary will flag a deficit. Trim 'wants' first, renegotiate fixed bills, or add an income source. A consistent deficit is the fastest path to credit card debt.
How much should I save each month?
Aim for at least 20% of take-home pay split between an emergency fund (3–6 months of expenses in a high-yield savings account) and long-term investing (MP2, index funds, UITFs).