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Budget Planner
See exactly where your money goes each month. Enter your income and expenses to find out what's left, your savings rate, and how your budget compares to the popular 50/30/20 rule.
Take control of your monthly money
A budget planner is the simplest way to stop money slipping through the cracks. Enter your monthly income, list what you spend in each category, and instantly see how much is left over and what share you're saving. It's a clear, judgment-free snapshot you can adjust in seconds.
The 50/30/20 rule
A popular starting point splits your after-tax income three ways:
- 50% on needs — rent or mortgage, groceries, utilities, transport, minimum debt payments.
- 30% on wants — dining out, entertainment, subscriptions, hobbies.
- 20% on savings — emergency fund, investments, and paying down extra debt.
It's a guideline, not a rule — adjust the split to fit your goals and cost of living.
This planner is for general budgeting and education only. It is not financial advice.
Frequently asked questions
What is the 50/30/20 rule?
A simple budgeting guideline: aim for roughly 50% of after-tax income on needs, 30% on wants, and 20% on savings and extra debt repayment.
What if my expenses are more than my income?
The "left over" figure turns negative, which is a sign to trim spending or increase income. Adjust categories to see what would help.
Is my budget saved anywhere?
No. Everything is calculated in your browser and nothing is uploaded or stored.