Monthly Budget Planner
Plan your monthly budget — track income, expenses by category (actual vs budgeted), savings goals, and variance analysis. Apply the 50/30/20 rule (needs / wants / savings). Export as text or CSV. 18 extra features: income parser, expense parser, total income, total expenses, net income, savings rate, per-category variance, total variance, savings goal progress, 50/30/20 rule check, 7 currency presets, 10 category presets, text report, CSV export, history (localStorage), shareable URL, summary stats, copy & download. 100% client-side.
About Monthly Budget Planner
Plan your monthly budget — track income, expenses by category (actual vs budgeted), savings goals, and variance analysis. Apply the 50/30/20 rule (needs / wants / savings). Export as text or CSV. 18 extra features: income parser, expense parser, total income, total expenses, net income, savings rate, per-category variance, total variance, savings goal progress, 50/30/20 rule check, 7 currency presets, 10 category presets, text report, CSV export, history (localStorage), shareable URL, summary stats, copy & download. 100% client-side. Everything runs locally in your browser — your data never leaves your device.
How to use
- Enter your input in the tool above.
- Adjust any options to your preference.
- Use the Copy or Download buttons to save the result.
- Everything happens locally — your data never leaves your browser.
FAQ
How does the budget planner work?
Enter your month (YYYY-MM), income items as `source,amount` per line, and expenses as `category,actual,budgeted` per line. Optionally set a savings goal and pick a currency. The tool computes total income, total expenses (actual vs budgeted), net income, savings rate, per-category variance, total variance, savings goal progress, and a 50/30/20 rule check (needs/wants/savings).
What is the 50/30/20 rule and how is it checked?
The 50/30/20 rule allocates 50% of income to needs (housing, transportation, food, utilities, insurance, healthcare, debt), 30% to wants (entertainment, other discretionary), and 20% to savings. The planner classifies your expense categories into these buckets, computes actual percentages of income, and flags whether each is within target.
Can I track variance between budgeted and actual spending?
Yes. Each expense line has both an actual amount and a budgeted amount. The planner computes per-category variance (budgeted - actual, positive means under budget, negative means over) and an overall total variance so you can see where you saved or overspent.
What extra features does this tool have compared to others?
(1) Income items parser. (2) Expense items parser (actual + budgeted). (3) Total income calculator. (4) Total expenses calculator (actual + budgeted). (5) Net income calculator. (6) Savings rate calculator. (7) Per-category variance calculator. (8) Total variance calculator. (9) Savings goal progress tracker. (10) 50/30/20 rule checker (needs/wants/savings). (11) 7 currency presets ($, €, £, ₹, ¥, A$, C$). (12) 10 category presets (Housing, Transportation, Food, Utilities, Insurance, Healthcare, Debt, Entertainment, Savings, Other). (13) Text report renderer. (14) CSV export (category, budgeted, actual, variance). (15) Copy + Download .txt + Download CSV. (16) History (localStorage, last 20). (17) Shareable URL (encode inputs in hash). (18) Summary stats.
Is my data sent anywhere?
No. All budget calculations run 100% locally in your browser. History is stored in localStorage on this device only. Nothing is uploaded.
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