Budget Planner
A private monthly budget planner that totals your income and expenses as you type.
Your figures stay in this page and are never uploaded. Close the tab and they are gone, so print or save the PDF to keep a copy.
What this tool does
A budget planner lays out your monthly income against your expenses so you can see what is left. Fill in what you earn and what you spend - it comes pre-filled with the usual categories - and it totals everything live: total income, total expenses, and what remains, with a bar showing the share of income you are spending. It works in several currencies, prints or saves as a PDF, and keeps your figures entirely on your device - nothing is uploaded.
Adds up your income and expenses as you type and shows what is left over, with a share-of-income bar.
Comes pre-filled with common categories you can edit, works in several currencies, and prints or saves as a clean PDF - with nothing uploaded.
How to use it
- Enter your income, then fill in the expense categories - edit the labels, add or remove rows as needed.
- Watch the totals and the left-over figure update as you type.
- Print / save PDF to keep a copy, since nothing is stored once you close the tab.
Why use this planner
A budget only helps if you can see what is left after everything. Adding income and expenses as you type shows the balance and the share each category takes.
Why we built it
We built the budget planner to total income minus expenses live with a share-of-income bar, pre-filled with usual categories. Split income with the 50/30/20 budget calculator and set goals with the savings goal calculator.
Handy alongside this: the Till Counter (Australia), the Patio Pattern Generator and the Bingo Card Generator.
Related tools worth a look: the To-Do List Maker.
Who this tool is for
- Households planning monthly spending
- Students living on a budget
- Freelancers tracking costs
When to use it
- Planning a month's spending.
- Comparing income with outgoings.
- Preparing for a large expense.
- Printing a budget for discussion.
Income minus expenses, live
The one number that matters is what's left.
Type in your take-home income and your regular costs, and the planner keeps a running total of both, then subtracts one from the other. If the left-over figure is positive, that is what you have to save or spend freely; if it turns red, you are spending more than you earn and can see by how much. The bar shows what share of your income the expenses eat up, which is often more telling than the raw numbers.
It starts with the categories most budgets need - rent or mortgage, utilities, groceries, transport, phone and internet, subscriptions, savings - but every label is editable and you can add or delete rows, so it fits a student, a family or a freelancer equally.
Your finances stay private
This is the part that matters for a budget. Everything you enter stays in your browser and is never uploaded, stored in an account or seen by anyone. There is no sign-up and no tracking of your figures. That is a real difference from budgeting apps that want your income, your bank and your email before they will add up a few numbers for you.
Because nothing is stored, closing the tab clears your budget. Use Print / save PDF to keep a copy, or take a note of the totals.
A rule of thumb to sanity-check it
One common starting point is the 50/30/20 guide: roughly half your take-home for needs (housing, food, bills, transport), about 30% for wants, and at least 20% toward savings and paying down debt. It is a guide, not a law - high rent alone can blow the 50% - but it is a quick way to see whether your split looks sustainable. If savings is near zero every month, that is the number worth attacking first, by trimming the wants before the needs.
This tool gives you the figures to make that call; it does not give financial advice, and everyone's circumstances differ.
What you give it, and what you get back
| Item | Details |
|---|---|
| Input | Income and expense lines by category. |
| Output | Totals, what is left and share of income. |
| Options | Currency, print or PDF. |
Issues you may run into
| What you see | Why it happens | What to do |
|---|---|---|
| Budget disappears | Nothing is saved after closing the tab. | Print or save the PDF. |
| Totals look wrong | A line was typed as text. | Use plain numbers. |
| Transactions are expected | It does not connect to banks. | Enter figures by hand. |
Assumptions and limitations
- It plans a monthly budget from figures you enter; it does not connect to your bank, import transactions or track spending automatically.
- Nothing is saved once you close the tab - print or save the PDF to keep a copy.
- It is a planning tool, not financial advice. The 50/30/20 guide is a rule of thumb, not a rule.
- It handles a single monthly period, not annual forecasting, irregular income smoothing or debt-payoff schedules.
- Amounts are entered in one currency at a time; it does not convert between currencies.
Frequently asked questions
How do I make a monthly budget?
List your monthly take-home income, then your regular expenses by category, and subtract the expenses from the income. What is left is your surplus to save or spend. This planner does the adding up for you as you type and comes pre-filled with the usual categories to edit.
What is the 50/30/20 budget rule?
A simple guide: about 50% of your take-home pay for needs (housing, food, bills, transport), around 30% for wants, and at least 20% for savings and paying off debt. It is a starting point to sanity-check your split, not a strict rule - high housing costs can push the needs share well above half.
Is my financial information private?
Completely. Everything you enter stays in your browser and is never uploaded, stored or tied to an account. There is no sign-up and no tracking. Closing the tab clears it, so save the PDF if you want to keep it.
How much should I have left over?
Ideally a positive figure you can put toward savings or paying down debt - the 50/30/20 guide suggests aiming for at least 20% of take-home pay. If you are at or below zero, the planner shows by how much, so you can see which categories to trim. Any surplus is better than none.
Can I print my budget or save it as a PDF?
Yes. Press Print / save PDF and choose 'Save as PDF' as the destination, or send it to a printer. Only the budget sheet is printed - the controls and site chrome are left off - so you get a clean copy to keep or share.
What expenses should I include?
Everything that regularly leaves your account: housing, utilities, groceries, transport, phone and internet, insurance, subscriptions, debt repayments, and savings (treat saving as an expense you pay yourself first). The planner pre-fills the common ones; add any that are specific to you.