Fixed vs. Variable Expenses Calculator for Renters
See how your rent and bills stack up against everyday spending, then find out how much you can actually save
Enter your monthly income along with fixed costs (rent, utilities) and variable costs (food, shopping) to see your spending ratio and how much is left to save.
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🔒 Everything runs 100% in your browser. Your files and input are never uploaded to any server.
How to use
- Enter your monthly income, fixed costs, and variable costs.
- Check your leftover savings and expense ratio.
FAQ
- What's a healthy fixed-cost ratio?
- As a rule of thumb, your finances are in good shape when fixed costs stay under 35% of your monthly income.
- What counts as a variable expense?
- Anything that changes month to month — groceries, coffee, shopping, nights out, delivery fees — belongs in the variable column for an accurate read.
- Is my financial data saved anywhere?
- No. Everything runs in your browser only, nothing is sent to a server, and it resets the moment you refresh the page.