What is Budget Planner?

The Budget Planner sorts your monthly income and expenses into clear categories so you can see where your money goes. It is free to use, and every figure stays private on your device. Nothing is uploaded.

The planner works with named income sources (salary, freelance, dividends), seven built-in expense buckets (housing, food, transport, utilities, entertainment, savings, and a catch-all), plus your own custom categories with a color tag. A currency selector defaults to your locale, a 50/30/20 panel compares your spending against the classic benchmark, and CSV export gives you a copy to keep alongside your bank statements.

How to use

1. Add your income sources and their amounts
2. Enter expenses by category like housing, food, and transport
3. View your budget summary showing total income vs. expenses

When to use

• Mapping out a new month before the rent and bills land in your account.
• Comparing two job offers by plugging both salaries into the income section.
• Spotting which expense bucket is quietly eating most of your paycheck.

Result

Plan a monthly budget: $4,000 income, $1,200 rent, $400 food, $200 transport — $2,200 remaining.

FAQ

Does the planner save my numbers between visits?

Yes. Income and expenses stay in your device's local storage and reload the next time you open the page. Clearing the browser data or using a different device wipes them — the numbers never reach a server.

Which currencies can I budget in?

Pick from sixteen currencies in the dropdown above, including USD, EUR, GBP, JPY, INR, BRL, SAR, AED, and more. The selected symbol shows up on every input and in the summary, and your choice sticks between visits. Nothing gets converted behind the scenes — totals stay in whichever currency you picked.

How is this different from a spreadsheet?

A spreadsheet is a blank grid; this one already has labelled income rows and seven expense categories, so you can start typing without setting up formulas. Export to CSV when you want spreadsheet-style analysis.

What counts as a good savings line each month?

A common rule of thumb is 20% of take-home pay, but that's heavy if your rent is already 40%. Start with whatever's left after fixed costs and try to nudge it up by a percent each month.

Can I track yearly bills like insurance?

Divide the annual amount by 12 and add it as a monthly line in Utilities or Other. That smooths the cost across the year so a single big payment doesn't blow up one month's totals.

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