Enter your take-home pay, your regular bills, and your cards' minimum payments. The calculator works out what's left — that's your safe card-spending limit for the month, with a safety cushion kept aside.
Use your take-home pay — the amount that actually lands in your account.
Enter your pay to see your monthly total.
Monthly amounts for the bills you have to pay no matter what — rent, utilities, groceries, gas, insurance, and so on.
One row per card. The minimum payment is what you must pay each month; the balance is optional but helps you see the full picture.
A slice of your pay kept aside for surprises — a car repair, a copay, a slow week — before any card spending. 10% is a solid default.