01
Start with take-home income
Use the money that reaches you after taxes and payroll deductions.
Free daily spending calculator
How much can you spend per day?
Estimate your daily flexible spending after monthly bills, savings, and investments—without creating an account or connecting a bank.
Private by design
Your entries stay in this browser. Granite does not save or receive the amounts you use in this calculator.
Your monthly baseline
Enter three parts of your plan
This estimate is calculated in your browser. Granite does not save or receive the amounts you enter here.
How the estimate works
A useful baseline—not a promise about the future
The calculator intentionally keeps the math simple. It helps you understand what might remain for flexible spending after the priorities you entered.
02
Protect bills and goals
Subtract recurring obligations, savings, and investments before flexible spending.
03
Create a daily baseline
Spread what remains across a simple 30-day month for an approachable starting point.
Real life does not stay static
Purchases post, deposits arrive, and plans change. Granite can connect eligible accounts and update your daily, weekly, and monthly budget context as new information becomes available.
Frequently asked questions
Before you use the number
A daily estimate is most useful when you understand what is—and is not—represented in it.
How does the daily spending calculator work?
The calculator starts with monthly take-home income, subtracts the bills, savings, and investments you enter, and divides the remaining flexible amount across a 30-day month.
Should I include groceries as a monthly bill?
Usually no. The result is intended to cover flexible spending such as groceries, transportation, dining, shopping, and entertainment. Enter groceries as a recurring expense only if you deliberately reserve a fixed amount before calculating the rest.
What if my income changes every month?
Use a conservative monthly take-home amount you can reasonably plan around. The result is a baseline, so variable income and changing expenses should be reviewed regularly.
Does Granite save the numbers I enter?
No. The calculator runs in your browser and Granite does not save or receive the financial amounts you enter in this public tool.
Why might the Granite app show a different amount?
This calculator creates a static monthly estimate. The Granite app can use eligible connected transactions, pending and posted activity, financial-plan changes, and the time remaining in the budgeting period to keep your daily budget current.
Is this result financial advice?
No. It is an educational estimate based only on the numbers you provide. It does not account for every financial obligation, emergency, tax consideration, or personal circumstance.
Keep learning
Understand the number behind the result
What your daily budget means
Use the number as an informed boundary rather than a spending assignment.
Read guideGetting started with Granite
Build the financial plan behind your automatically updated budget.
Read guideWhy your daily budget changed
Understand how new activity and real-life changes move the number.
Read guide