Budget Planner

Add income and expense lines to see totals, net cash flow, and savings rate. Everything runs locally in your browser.

How to Use

  1. Set your budget period (monthly, weekly, etc.) and currency.
  2. Add income lines (paychecks, side income, etc.).
  3. Add expense lines and choose a category (needs / wants / savings & debt).
  4. Review totals, net cash flow, and the guideline breakdown.
  5. Use “Share Link” only when you want a restorable URL.
Inputs & Settings
Budget is calculated for the selected period. No data is uploaded.
All lines are normalized to this period for totals.
Formatting only; no exchange-rate conversions.
Applies to displayed totals and guideline values.
Detailed mode shows needs/wants/savings grouping.

Income

Examples: paycheck, side work, rental, other.

No income lines yet. Click “Add Income”.

Expenses

Categorize as Needs / Wants / Savings & Debt for the guideline view.

No expense lines yet. Click “Add Expense”.
Results
Totals update as you change inputs (no URL updates while typing).
Total Income
—
Total Expenses
—
Net Cash Flow
—
Savings Rate
—
Add at least one income and one expense line to see totals.

Guideline View (50/30/20)

Optional comparison: needs ≤ 50%, wants ≤ 30%, savings & debt ≥ 20% of income (for the selected period).

Bucket Actual Target Delta
Needs — — —
Wants — — —
Savings & Debt — — —
Tip: Set expense categories to populate “Actual” buckets. This is a guideline, not financial advice.
Show Work (step-by-step)
—
Work uses the selected budget period and shows line totals + category totals.

Details

  • Net Cash Flow = Total Income − Total Expenses.
  • Savings Rate = (Savings & Debt + Net Surplus) ÷ Total Income (when applicable).
  • Guideline View compares your categorized expenses to 50/30/20 targets.
This tool is for planning and estimation. Validate against your statements and due dates.

FAQ

Does this upload my budget anywhere?

No. Calculations run in your browser. A share link is only created if you click “Share Link”.

Can I use weekly pay with monthly bills?

Yes. Each line can have its own frequency (handled in the tool). Totals normalize to your selected budget period.

Is 50/30/20 required?

No. It’s an optional comparison view. Your real-world constraints may differ.

Tool Info

Last updated:

Updates may include category presets, smarter validation, and better share/import compatibility.