The Income Tracker

Monthly surplus calculator

By The Income Tracker · Updated 8 September 2026

The short answer

Your surplus is what is left after expenses. It is the single most useful number in personal finance. Enter your monthly income and spending to see your surplus and savings rate.

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What to do with the number

A positive surplus is your fuel. It pays down debt, builds an emergency fund, and feeds your savings goals. A negative one is a flashing warning light that needs sorting before anything else.

See it every month, automatically

One month is a snapshot. The real value is the trend. Import your bank CSV into The Income Tracker and it works out your surplus month after month, so you can watch it climb.

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Frequently asked questions

What is a monthly surplus?
It is the money left after you subtract your expenses from your income. It is the number that decides how fast you can save or pay off debt.
What is a good savings rate?
20% or more is strong. Even 10% builds a buffer over time. Anything negative means you are spending more than you earn.
How do I track my surplus every month?
Import your bank CSV into The Income Tracker and it works out your surplus automatically, month after month.

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