Budget Calculator

A well-designed budget is the best way for you to reach goals and achieve financial independence. We offer a variety of tools and articles to help you get started. 

Budget Calculator

The best way to budget is by creating a spending plan. Use our budget calculator to help you get started. Enter your monthly income after tax in the calculator below.

*Your take-home pay, with the cost of payroll deductions for health insurance, 401(k) contributions or other automatic savings added back in.


You have this much to spend on necessities


You have this much to spend on wants


You have this much for savings and paying off debt


Budgeting Tools

Managing life isn't always easy. Managing your money should be!

Our Online Banking and Mobile App make it easy for you to track your spending and manage your budget. The budget tracker feature lets you categorize your transactions and create budgets for different expenses. You can also create savings goals and track your progress along the way.  

Additional Tools & Resources

Access our Financial Education page and find financial articles and useful tips to build better money habits. As a member of AMOCO, you also have access to additional personal finance tools and financial counseling services through Balance. Learn more about Balance by calling 888.456.2227. For online access visit our Balance website and create a free user account.