Gambling Budget Calculator
How much is actually safe to play with today? Free, anonymous, and honest — nothing you enter leaves your device.
How it works
The calculator reserves your bills, your living costs, and any money that belongs to your business first. Whatever cash is left over is genuinely “free” — and it suggests at most halfof that as a gambling budget, so one bad session can never empty it. No payday? That’s fine — just tell it how long the money has to last. This is the same logic SBCGuard uses in its pre-session check.
Everything available to you today — wallet, GCash, bank.
Rent, utilities, debts due — anything that MUST be paid from this cash.
Until payday, or until your next money comes in. If you earn daily, use the longest slow stretch you get.
Food, transport — what one normal day costs you.
Float in the till, next batch of stock, supplier or boundary money. It's sitting in your pocket but it isn't yours to lose — reserved in full.
Used only to judge how tight the result is for you. Never added to what you can spend.
A safe amount is still money you expect to lose.
Slots and casino games have a built-in house edge — over time, play costs money. Treat the number above as the price of entertainment, not an investment. “Only play what you can afford to lose” is advice with no number in it — the published lower-risk guideline is 1% of monthly income, from 11 population samples across 8 countries. The safest amount is always zero.
If gambling is causing harm, free and confidential help is available — BeGambleAware · Gamblers Anonymous. Want more than a one-off number? SBCGuard can also help you take a break or quit.