Build Budget Calculator
Split a build budget across the six things it actually gets spent on, see which one is eating it, and get told when the allocation looks like one that runs out early.
Enter an amount against a category to see the split.
Nothing is saved or sent anywhere. Everything is calculated in this tab.
Budgeting is not the same as listing
A shopping list tells you what to buy. A budget tells you where the money is going, which is a different question and usually the more useful one. You can total a list of twenty items and still have no idea that eighty percent of it is a single unique, or that you have set aside nothing at all for the crafting bench.
That is what the six categories are for. They are not a more convenient way to add up the same numbers — they are a way to see the shape of a plan, and the shape is what tells you whether it will survive contact with an actual league.
What each category actually covers
The boundaries matter, because the most common budgeting error is a cost falling between two categories and getting counted in neither.
The named pieces the build is built around. Usually the smallest number of items and the largest share of the money, because these are the ones with no substitute. Include corrupted or specific-variant versions at their actual price, not the base version's.
Everything filling the slots the uniques do not. This is where the resistance tax lives: the overpaying you do on rings, belt and boots purely to reach capped resistances. Budget more here than feels necessary. It is the category that quietly overruns.
Levelled and quality gems, awakened variants, and anything corrupted past its normal cap. A level one gem from a vendor and the twenty-twenty version are different purchases entirely, and people budget for the first while planning to run the second.
Bases, suffixes, prefixes and enchantments across the flask setup. Individually cheap, collectively not, and almost always left off the list because they do not feel like gear.
Regular jewels, abyss jewels and clusters. Three to five sockets each wanting something specific, and a cluster setup can cost more than the body armour. Skipped constantly because jewels are not a slot on the character panel.
Bench costs, currency for finishing an item yourself, and the headroom for whatever you did not anticipate. Setting this to zero is the single most reliable way to run out of currency two-thirds of the way through a build.
There is no correct split
Anyone who tells you a build budget should be forty percent uniques is inventing a number. The right allocation depends entirely on what the build is: a build defined by one mirror-tier unique looks nothing like a build that runs entirely on well-rolled rares, and both are legitimate.
What the calculator flags is not deviation from some ideal ratio. It flags structural risks in the shape — concentration in a single category, and categories left empty that are almost never genuinely zero.
Concentration is a risk, not a mistake
When one category is more than half the budget, your plan has a single point of failure. If that item's price moves ten percent, your whole budget moves five. If someone posts a build video featuring it, you may be priced out overnight.
That is not a reason to avoid the build. It is a reason to buy that item first, while the rest of the plan is still flexible, rather than assembling everything cheap and hoping the expensive piece is still affordable at the end.
Empty categories are usually wrong
Zero in jewels, zero in flasks or zero in crafting almost never means the build genuinely needs none of it. It means those costs have not been thought about yet, and they will arrive later as a surprise rather than as a line in a plan.
Why both currencies are shown
Small budgets are lived in chaos and large ones in divine, and the useful figure changes with the size of the plan. Under a few divine, thinking in chaos keeps the numbers meaningful. Above that, chaos totals become long strings that stop conveying anything.
The rate itself moves through a league, sometimes substantially. Setting it from a current economy page rather than from memory is worth the ten seconds, because every conversion on this page inherits whatever you put in that box.
What this cannot tell you
It has no prices. It does not know what a category should cost, whether your numbers are realistic, or whether the build is any good. Every figure comes from you, and a confident donut chart made of guesses is still made of guesses.
It also cannot tell you the order to buy things in, which for a concentrated budget matters more than the total does. What it can do is show you the shape of the plan before you commit to it, and point at the parts that tend to be missing.
