Envelope Budget Calculator
Calculate the perfect budget allocation using the cash envelope system. Determine how much to allocate to each spending category based on your income, expenses, and financial goals.
Step 1: Financial Overview
About the Envelope System
The cash envelope budgeting method allocates specific amounts to spending categories. When the envelope is empty, you stop spending in that category until the next budget period.
Step 2: Spending Categories
Budget Allocation Tips
Traditional 50/30/20 budget: 50% needs, 30% wants, 20% savings. Zero-based budgeting: Every dollar has a job. Adjust percentages based on your priorities and financial goals.
Budget Allocation Results
Monthly Budget Available for Envelopes
Budgeting Methods Comparison
| Budgeting Method | Needs Allocation | Wants Allocation | Savings Allocation |
|---|
Category Breakdown
Envelope Budgeting Formula
Envelope Amount = (Category % / 100) × (Income – Savings – Debt)
Each envelope gets a specific cash amount. When the envelope is empty, spending in that category stops until the next budget period.
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