Built around student life — tuition, rent, loans, and part-time income, all in one place.
Enter your Student Monthly Budget title at the top, then fill in whatever expense categories apply to you across the thirteen built-in rows — Tuition and fees, Housing, Utilities, Insurance, Groceries, Transportation, Course materials, Phone bill, Healthcare, Dining out, Entertainment, Clothing, and Personal savings for emergency. Leave anything that doesn't apply at 0. On the income side, fill in whichever of the six sources apply — Monthly allowance, Part-time job, Stipends, Student loans, Scholarships and grants, and Casual and variable income. Totals update live as you type, with nothing to configure before you start.
A student's expenses genuinely split into three different kinds, even though this tool lists them as one flat table for simplicity: fixed needs that don't change month to month, like Tuition and fees or Housing; variable needs that shift with your habits, like Groceries or Course materials; and discretionary spending you have more control over, like Dining out or Entertainment. Income works the same way underneath the single list — some of it is predictable every month (an allowance, a part-time job, a stipend), some arrives as a lump sum that needs manually splitting into monthly portions (a semester's loan disbursement or a scholarship), and some is genuinely unpredictable (freelance or gig work, grouped into the single Casual and variable income row).
Student loans and Scholarships and grants are usually disbursed once per semester or term, not monthly. This tool doesn't do that division for you automatically — if a loan disbursement of 60,000 is meant to cover a 6-month semester, enter 10,000 as the monthly figure yourself, so the total reflects what's actually available to you this month rather than a lump sum that overstates a single month's income.
Freelance work, gig-economy jobs, and one-off paid tasks don't arrive on a fixed schedule the way a part-time job's wages do. Rather than guessing a monthly average that might be wrong in either direction, a reasonable approach is to enter a conservative estimate based on your last few months of actual earnings, and treat any amount above that as a bonus rather than money to plan around.
If the built-in list doesn't cover your situation, use "Add more categories" under Expenses or "Add more sources" under Income. Each click adds three new rows at once, each with an editable name field capped at 31 characters. You can do this up to ten times on either table, giving you up to 30 additional rows if you genuinely need them.
The card at the bottom shows Net savings when your income covers your expenses, or Net deficit when it doesn't. The label switches automatically, and the amount shown is always a plain, positive figure regardless of which direction it goes.
| Expense | Amount |
|---|---|
| Tuition and fees | 15,000 |
| Housing | 8,000 |
| Groceries | 3,500 |
| Course materials | 1,200 |
| Phone bill | 500 |
| Total expenses | 28,200 |
| Income | Amount |
|---|---|
| Monthly allowance | 12,000 |
| Part-time job | 8,000 |
| Student loans | 10,000 |
| Total income | 30,000 |
Result: Net savings: 1,800
Here, a semester loan of 60,000 was already divided into a 10,000 monthly figure before being entered, alongside a fixed allowance and part-time earnings. The result is a modest but real surplus of 1,800.
| Expense | Amount |
|---|---|
| Tuition and fees | 18,000 |
| Housing | 10,000 |
| Groceries | 4,000 |
| Dining out | 3,000 |
| Entertainment | 2,000 |
| Total expenses | 37,000 |
| Income | Amount |
|---|---|
| Monthly allowance | 10,000 |
| Part-time job | 6,000 |
| Total income | 16,000 |
Result: Net deficit: 21,000
This example leaves out any loan or scholarship income, showing how quickly tuition and housing alone can outpace a smaller, purely earned income — exactly the kind of gap that student loans or scholarships are meant to close.
Copy result places a properly formatted table onto your clipboard, pasting as an actual aligned table in Word, Gmail, or Google Docs, with a plain-text version included automatically for anywhere that doesn't accept rich formatting. Download report saves a separate HTML file you can keep or send, generated entirely in your browser. Share hands that same report file straight to your device's own share sheet, so it can go directly into WhatsApp, Gmail, or any other app you pick on a phone, without downloading it first — it only appears where your browser supports it, and Download works everywhere as a fallback. Download CSV saves the same figures as a spreadsheet-ready file, and Print opens your browser's own print dialog with the same report — both are created in your browser, with nothing sent anywhere.
The field at the top shows "Student Monthly Budget" as a placeholder — click it and type your own, such as a specific term or semester name. Every number, and any custom category name, stays local to your own browser the entire time — refreshing the page resets the calculator completely.
Disclaimer: Results are estimates based on the numbers you enter. Actual costs and income may differ. This calculator does not provide financial, investment, or tax advice. Please verify all calculations independently — we do not carry any liability for errors, and this calculator may make mistakes. For any optional text field where you enter your own category names, you are solely responsible for what you type and for ensuring it is lawful.