This budget calculator was designed to help you manage your monthly expenses. It is NOT designed to match what is in your bank account. The program will help you budget your expense down to the paycheck level. It will help visualize what your owe monthly, what is coming in, and what is going out. It will itemize your expenses and categorize them by type (your choice of the naming scheme). This program will show you how much you have left over a given pay period. That way you will know for this paycheck how much you have spent, and if you are positive all the way around, then obviously you will always have money in the bank. Once you are above water, you can use other programs like Quicken or you can continue to use this program.