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Budget Planner

Plan your monthly budget — track income, categorise expenses, and see exactly what’s left over, with a visual breakdown by category.

✓ Free✓ No signup✓ Privacy first✓ Runs in your browser
Monthly Budget Planner – ToolPremier

Income

$0

Needs (50%)

$0

Wants (30%)

$0

Savings & Debt (20%)

$0
$4,000
Total Income
$2,500
Total Expenses
$1,500
Remaining Balance
Savings Rate: 37.5%
Healthy Budget! You are saving 20% or more.
Needs $0 (0%)
Wants $0 (0%)
Savings/Debt $0 (0%)

50/30/20 Analysis

Needs 46% / 50%
Wants 14% / 30%
Savings & Debt 40% / 20%

Monthly Budget Planner · client-side only · 50/30/20 health score · dynamic list

How it works
Convert in three steps

Enter your income

Add all income sources with their monthly amounts (salary, freelance income, rental income, etc.).

Add your expenses

Enter expense categories (housing, food, transport, subscriptions, etc.) with their monthly amounts.

See the summary

Total income, total expenses, and remaining balance. A visual chart shows the percentage each category takes from your income.

FAQ
Common questions

The tool is flexible — you can use it for any budgeting method. For the popular 50/30/20 rule (50% needs, 30% wants, 20% savings), enter your expenses in those three categories and the chart shows how your actual spending compares to the target split. Add a “Savings” expense line to include savings as a budget commitment rather than leaving it as the residual.

The budget planner runs in your browser with no account system. The page does not retain data between sessions — to keep your budget, note the figures in a spreadsheet or document. For ongoing monthly budgeting with data persistence, a dedicated app like YNAB, Notion, or a spreadsheet template would be a better fit.

Budget against your net (take-home) pay — the amount that actually reaches your bank account after tax and statutory deductions. Budgeting against gross overstates what’s actually available and makes the numbers look artificially comfortable. Use the Salary Calculator to find your accurate take-home figure first.

No. Everything you enter stays in your browser. No financial data is transmitted anywhere.

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About the Budget Planner

A budget is the foundational tool of personal finance — but it only works if you actually know where your money goes. This planner makes that visible: add income sources and expense categories, and the visual breakdown shows exactly what percentage of your income each category consumes. The chart makes it immediately apparent if housing is consuming 45% of take-home pay or if subscriptions have quietly accumulated to a significant line item — information that drives better decisions. The tool covers the planning step; tracking actual spending requires an ongoing system like a spreadsheet or budgeting app.

Benefits
  • Multi-source income — add all income streams separately.
  • Category-based expenses — organise expenses into meaningful groups.
  • Visual category chart — percentage breakdown shows spending allocation clearly.
  • Surplus/deficit display — instantly see what remains after all expenses.
Privacy

All data stays in your browser. Financial information is never transmitted to any server. Data is not retained between sessions.