Holiday Gift Budget Calculator

List each person you're buying for and how much you plan to spend, then compare the running total against your overall holiday budget.

How the running total works

Two lines of arithmetic, recalculated on every keystroke:

total planned = sum of every recipient's planned amount
remaining     = overall budget - total planned

The page starts at a $500 budget with two $50 rows, so $100 planned and $400 left. When the total passes the budget the third line changes from Remaining Budget to Over Budget By and the card turns red - $560 of gifts against $500 reads as over budget by $60. A blank or non-numeric amount counts as $0, and an unnamed row shows as Recipient 3.

Why the per-head average is not the plan

$500 over twelve people averages $41.67, and almost nobody gets that. Real lists have a tail:

GroupPeopleEachSubtotal
Immediate family3$100$300
Friends and colleagues5$25$125
Teachers, neighbours4$15$60

That is $485 of the $500, and the three names at the top are 62% of it. Enter those first: whether the budget holds is decided there, not by the $15 rows.

Give wrapping, cards and postage a recipient row of their own. They are routinely 10 to 15% of holiday spending and they are the usual reason a list that balanced on screen did not balance on the statement.

Frequently asked questions

How much should I spend on Christmas gifts?

Work backwards from what you can set aside, not from a list of prices. $60 a month from August through December is $300, and that figure - not the number of names - is the budget you type in at the top.

The tool says I am over budget. Where do I cut?

Look at the top of the list, not the bottom. Taking $5 off eight small gifts saves $40 and is noticed by eight people; moving one $100 gift to $60 saves the same and is noticed by one.

Does the calculator save my recipient list?

No. Everything is held in the page, so reloading clears the rows and returns the budget to $500. Screenshot the summary if you want to keep it.