PiggoFree tool
Daily budget calculator
Enter your monthly take-home pay and your fixed costs. What's left is your spending money; divide it by 30 and that's your daily budget. Add what you've spent so far this month to see your pace for the rest of it, and pick your top three categories to get starting limits.
Your month
Runs in your browser; your numbers are not sent anywhere. Daily budget = (take-home pay − fixed costs) ÷ 30.
Add this daily budget calculator to your site
Copy this code into your page. It shows the daily budget calculator with a credit link to Piggo.
Your 30-day Piggo plan, in about a minute. Answer a few quick questions and see your categories, starting limits and daily pace.
Get my planAvailability: Piggo is an iPhone app on pre-order. Plans start on launch day, with a full refund any time before launch.
Questions
How do I calculate a daily budget?
Take your monthly take-home pay, subtract fixed costs like rent, bills and anything you set aside, and divide what's left by 30. For example, $900 a month of spending money is $30 a day.
Why divide by 30?
Thirty gives you one steady number for every month. The rest-of-month line uses the actual days left in the month, so it stays accurate.
How are the category limits worked out?
Your top category gets 40% of your spending money, the second 20% and the third 15%, and the remaining 25% stays flexible. They're starting points; change them as you learn where your money goes.
What if I go over my daily budget?
Spend a little less over the next few days. Looking at the weekly total keeps one big day in perspective.
Are my numbers saved or sent anywhere?
No. The calculator runs in your browser.
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Updated October 12, 2026