Calculator
Budget Planner
Plan your monthly budget and track spending by category.
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Budget Planner
Track your monthly income and expenses. See exactly where your money goes and measure your savings rate — instantly.
💵Monthly Income
🧾Monthly Expenses
📊Budget Summary
Total Expenses
$0
Remaining / Surplus
$0
Savings Rate
0.0%
Budget Health
⚪ Enter income to start
50 / 30 / 20 Rule Comparison
Needs (50%)✓ 0.0%
Housing, food, transport, utilities
$0 / target $—
Wants (30%)✓ 0.0%
Entertainment, clothing, personal care
$0 / target $—
Savings (20%)↓ 0.0%
Savings & investments category
$0 / target $—
💡Budgeting Tips
The 50/30/20 Rule
A simple framework: spend 50% on needs (housing, food, transport), 30% on wants (entertainment, dining out), and save at least 20%.
Budget Health Guide
- 🟢 Great — Surplus ≥ 20% of income. You're saving well.
- 🟡 Good — Surplus 10–20%. On track, room to improve.
- 🟠 Tight — Surplus 0–10%. Look for cuts.
- 🔴 Over Budget — Spending exceeds income. Immediate action needed.
Quick Wins
- Audit subscriptions monthly — cancel anything unused
- Meal-prep to cut food & dining costs by 30–50%
- Automate savings transfers on payday
- Use the 24-hour rule before non-essential purchases
This planner provides estimates for personal budgeting purposes. Figures are not financial advice.