Budget Planner

100% private. Your budget is calculated entirely in your browser — nothing is uploaded, stored, or sent anywhere.

Business & Documents

Your monthly money

Enter your take-home pay and monthly expenses. Totals, money left and the 50/30/20 breakdown update as you type.

Monthly take-home pay ($)

Housing — rent / mortgage ($)

Utilities ($)

Food & groceries ($)

Transport ($)

Debt payments ($)

Entertainment & fun ($)

Other expenses ($)

Savings goal amount ($) — optional

Savings target date — optional

Your plan

Enter your pay above to see your budget breakdown.

Totals

Total expenses: $0.00
Money left: $0.00
Money left (%): 0%

Savings goal

Goal: —
Monthly saving needed: —

Add a goal amount and target date to see your monthly saving target.

50/30/20 breakdown

Needs — $0.00 (0%)Target 50%

Wants — $0.00 (0%)Target 30%

Savings — $0.00 (0%)Target 20%

The 50/30/20 split is a planning guideline, not financial advice. Needs are housing, utilities, food, transport and debt payments; wants are entertainment and other spending; savings is whatever is left after expenses. In high-rent areas needs alone can pass 50% — use the gap to adjust, not to judge.

When NOT to use Budget Planner

This is a planning tool, not financial advice. It does not know your debts, taxes or local costs — for debt or tax decisions, talk to a qualified professional.
Don't treat the 50/30/20 split as a rule you must hit. In high-rent areas, needs alone can pass 50% — the planner shows the gap so you can adjust, not judge.

Questions people ask

Are my income and expenses sent to a server?

No. The planner runs entirely in your browser using JavaScript. Your pay and expenses are never uploaded, stored, or sent anywhere.

What is the 50/30/20 rule?

The 50/30/20 rule suggests spending about 50% of take-home pay on needs, 30% on wants, and 20% on savings. It is a planning guideline, not financial advice — your real split depends on rent, debt and local costs.

How does the savings goal work?

Enter your savings goal amount and the date you want to reach it, and the planner works out how much you need to set aside each month from your money left over after expenses.