Personal Budget Planner

List your income and expenses, each with its own frequency, and see everything converted to monthly totals. The planner shows what is left over, your savings rate, spending by category and how your needs, wants and savings compare with the 50/30/20 guideline. Your budget is stored only in this browser.

How to use the Personal Budget Planner

1. Load the example or start blank.
2. Add income lines with an amount and how often you receive it.
3. Add expense lines and pick a category for each, including savings.
4. Review the monthly summary and 50/30/20 comparison as you type.
5. Download a CSV to keep a copy or open it in a spreadsheet.

Features

• Unlimited income and expense lines with weekly to yearly frequencies
• Needs, wants and savings categories for the 50/30/20 check
• Savings rate, leftover money and spending by category
• Automatically saved in your browser, with CSV export

Benefits

• See where your money goes each month
• Spot overspending and set realistic savings targets

Frequently asked questions

Where is my budget stored?

Only in your browser's local storage on this device. It is not uploaded, so clearing browser data or using another device will not show it.

What is the 50/30/20 rule?

A simple guideline: about 50% of take-home income for needs, 30% for wants and 20% for savings and extra debt repayment. It is a starting point, not a strict rule.

How is the savings rate calculated?

Savings-category lines plus any money left over, divided by total income. Results are estimates for planning and education, not financial advice.

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