Budget Planner

Track income and expenses, visualize spending with a pie chart, and set savings goals. All data saved locally in your browser.

Income

$0.00

Expenses

$0.00

Balance

$0.00

$

Income

Expenses

Spending Breakdown

Add expenses to see chart

Free Monthly Budget Planner

Take control of your finances with this simple budget planner. Track income sources and categorize expenses to see exactly where your money goes. The pie chart gives you an instant visual breakdown of spending patterns.

Set a savings goal and track your progress with the built-in progress bar. All data is stored locally in your browser — completely private and no account required.

How the Budget Planner Works

  1. Add your income sources with names and monthly amounts
  2. Add expenses with names, amounts, and categories
  3. View the pie chart to see your spending breakdown by category
  4. Set a savings goal and track your progress with the progress bar

Creating an Effective Monthly Budget

Start by listing all income sources (salary, freelance, side projects). Then add all regular expenses by category. The 50/30/20 rule is a popular starting point: 50% for needs (housing, food, utilities), 30% for wants (entertainment, shopping), and 20% for savings and debt repayment. Use the pie chart to check if your spending aligns with these targets.

When to Use the Budget Planner

Use this tool at the beginning of each month to plan your spending, during the month to track actual expenses, or whenever you want a clear picture of where your money goes. It is especially useful for anyone starting to budget for the first time.

Common Use Cases

  • •Monthly budgeting: plan and track income versus expenses for each month
  • •Savings tracking: set a savings goal and visualize progress toward it
  • •Spending analysis: use the pie chart to identify your largest expense categories
  • •Financial planning: compare different budget scenarios by adjusting amounts

Expert Tips

  • ✱Start by adding fixed expenses first (rent, insurance, subscriptions) since these are predictable and non-negotiable
  • ✱Review the pie chart weekly to catch overspending in variable categories like food and entertainment
  • ✱Set your savings goal to at least 20% of your total income as a healthy financial target

Frequently Asked Questions

Is my financial data private?▾
Yes. All data is stored in your browser's localStorage. Nothing is sent to any server. You can use this tool offline and your financial information never leaves your device.
Can I track multiple months?▾
This tool is designed for a single monthly budget. For a new month, click Reset Budget to start fresh. You can screenshot or note your previous month's totals for comparison.
What currency does the planner use?▾
The planner displays amounts with a $ symbol but works with any currency. Simply enter your amounts in your local currency and interpret the totals accordingly.
How accurate is the savings progress bar?▾
The progress bar shows what percentage of your savings goal is covered by your current balance (income minus expenses). If your balance exceeds your savings goal, it shows 100%.

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