Make a practical plan for your income. Break down expenses, prepare for upcoming bills, explore savings options and download your KudiCalc plan as a PDF.
Enter the income available to you, then add essential costs, minimum debt repayments, extra spending, an allowance for surprises and any upcoming bills. KudiCalc shows what is left for savings and what remains unassigned.
Choose Variable Income, enter recent monthly amounts and plan from the average or lowest entered month. The range describes your entries and does not predict future income.
There is no universal amount. KudiCalc compares its 20% planning target with any valid goal pace, then caps the suggestion at the capacity left after your included costs. You can choose the suggestion, all money left or your own amount.
The result shows the shortfall and recommends no new savings. Review only costs you can safely change, while keeping fixed essentials, minimum debt repayments and due-date bill funding visible.
Add the amount and due date under upcoming bills. KudiCalc works out what to set aside across the remaining pay opportunities and counts that funding once.
Emergency savings is money you already have available if income stops. The allowance for surprises is a planned amount inside this month’s budget for smaller unexpected costs. KudiCalc keeps them separate.
Yes. Choose category detail, add or remove categories and enter custom names. Only active categories with valid amounts are included in the submitted plan.
Yes. Your entered plan remains separate. An improved or starter plan becomes selected only when you choose it, and Keep My Plan restores the original figures for the summary and PDF.
Yes. After the required information is complete, KudiCalc creates a PDF in your browser from the selected plan. It does not email the file.
KudiCalc is free to use and does not require an account. Planner figures are calculated in your browser and are not included in analytics events. Your theme preference is stored locally; Start Again clears the current planner state and older saved drafts.