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Free Monthly Budget Planner

FREE TOOL

Free Monthly Budget Planner

Add your income and spending, and see what's left in real time. A quick 50/30/20 check shows whether your needs, wants and savings are balanced.

Tip: fill in the Budget column at the start of the month and the Actual column as you spend.

How to use it

  1. Pick your currency and the month.
  2. List your income: paychecks, side income, benefits.
  3. Set a budget for each spending category and mark it as a need, a want or savings.
  4. Fill in what you actually spent during the month. The Left column turns red if you overspend.
  5. Check the 50/30/20 bars, then press Print or save as PDF.

Who it's for

First-time budgeters

See where your money goes in ten minutes.

Couples and families

Agree on one plan for the household's money.

Freelancers

Budget around income that changes month to month.

Savers

Find the money for an emergency fund or a big goal.

Ready to track the whole year?
The Budget and Expense Tracker adds an expense log, savings goals and a yearly money summary.
See the Budget Tracker ($9)

Frequently asked questions

Is the budget planner free?

Yes. No sign-up, no email and no bank connection. Nothing you type leaves your browser.

What is the 50/30/20 rule?

A simple guideline: about 50% of take-home pay on needs, 30% on wants and 20% on savings and paying off debt. Treat it as a starting point, not a strict rule.

Is this financial advice?

No. It's a planning tool to help you see your numbers. For advice on your situation, talk to a qualified financial professional.

Is my budget saved?

Your entries are saved only in this browser on this device, so you can come back and keep editing. Nothing is sent to us. Clearing your browser data removes it.

How do I save it as a PDF?

Click Print or save as PDF, then choose Save as PDF (or Microsoft Print to PDF) as the printer. On a phone, use the share or print option in your browser.

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