Free tool

Holiday budget calculator

Add up the whole holiday season and see what to set aside each month.

People you buy gifts for

Average spent per person ($)

Travel ($)

Food and hosting ($)

Decorations and cards ($)

Events and parties ($)

Charity ($)

Other ($)

Already set aside ($, optional)

Months until the holidays (optional)

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<iframe src="https://mcc-solutionsnj.com/tools/holiday-budget-calculator?embed=1" title="Holiday budget calculator (MCC Solutions)" width="100%" height="820" style="border:1px solid #d9d2c3;border-radius:8px;max-width:760px" loading="lazy"></iframe>
<p style="font-size:14px">Free <a href="https://mcc-solutionsnj.com/tools/holiday-budget-calculator">Holiday budget calculator</a> by <a href="https://mcc-solutionsnj.com/">MCC Solutions</a>.</p>

How it works

Gifts are the number of people times the amount per person. Add travel, food and hosting, decorations and cards, events, charity and anything else for the total. Subtract what you have already set aside, then divide the rest by the months or weeks left to see the amount to save. Compare the total with what you spent last year if you can find it.

FAQ

About this calculator

How much should I spend?

There is no standard amount. Choose a total you can afford without borrowing, then split it among the categories.

What gets left out most often?

Shipping, wrapping, travel and extra groceries.

What if I go over?

Cut the list or the per-person amount first, not the total.

Is anything saved?

No. The math runs in your browser and nothing you enter is sent to us.

General information, not tax or legal advice. How we write and check our tools.

Excel workbook

Holiday and Gift Budget Tracker

Set the total first, track every gift, and see what is left before the holiday arrives.

See what is inside ($14) Try the free starter

Also in the Shared Living and Holidays Bundle: 3 products for $35 instead of $47 separately.

Wrenfold personal finance

Keep this in a budget you own

Wrenfold keeps accounts, budgets, bills and goals in a file on your own computer. $79 once, then $5 a month for updates and support; the app keeps working if you stop the plan. It has no bank connection of its own.

See Personal Finance Compare the three apps