Monthly Budget Planner

Plan your finances for —
Total Income
₹0
All income sources combined
Total Expenses
₹0
Fixed + variable expenses
Net Savings
₹0
Income minus expenses
Savings Rate
0%
Target: ≥ 20% of income
Budget Used ₹0 spent of ₹0 earned
Safe (<70%)
Caution (70–90%)
Over budget (>90%)

Income Sources

₹0

Fixed Expenses

₹0

Variable Expenses

₹0

Category Breakdown

Add variable expenses to see breakdown.

50 / 30 / 20 Budget Rule

A popular framework: 50% needs, 30% wants, 20% savings. Here's how you're tracking:
Needs (50%)
0%
₹0
Ideal: ₹0
Wants (30%)
0%
₹0
Ideal: ₹0
Savings (20%)
0%
₹0
Ideal: ₹0

Savings Goals

0 goals
Goal name Target Saved Progress

Smart Insights

Your Personal Finance Command Center

The Monthly Budget Planner helps you take control of your money — track every rupee, plan for goals, and build the financial future you want, one month at a time.

All-in-One Tracker

Income, fixed costs, variable spending, and savings goals — everything in one clean dashboard.

Visual Breakdown

See which categories eat the most of your budget with live bar charts updating as you type.

Smart Insights

Automatic tips highlight when spending is too high, savings rate is low, or you're over budget.

Goal Tracking

Set financial goals with targets and track progress visually. Emergency fund, vacation, home — you name it.

50/30/20 Rule

Instantly see how your budget compares to the proven 50/30/20 framework used by financial experts.

Export to CSV

Download your full budget as a CSV file to save records or open in Excel / Google Sheets.

What This Tool Does

The Monthly Budget Planner is a free, browser-based personal finance tool designed to give you complete visibility into your monthly money flow. Whether you're a student, a working professional, a freelancer, or managing a household — this planner adapts to your situation.

You start by entering your income sources. Then you log your fixed expenses (costs that don't change month to month, like rent and loan repayments) and variable expenses (spending that fluctuates, like food, shopping, or entertainment). The planner instantly calculates your net savings, savings rate, and how you're tracking against recommended budgeting guidelines.

On top of tracking, the planner shows you a real-time category breakdown of variable spending so you can see at a glance where your money actually goes — and make informed decisions about where to cut back.

How to Use It

1

Select your month and currency

Use the dropdowns at the top to set your planning period and choose your preferred currency (INR, USD, EUR, GBP, JPY, or AUD).

2

Add your income sources

Enter each source of income — salary, freelance payments, rental income, side hustle earnings, etc. Set the frequency as monthly, weekly, or yearly.

3

Log your fixed expenses

Add expenses you pay every month at a fixed amount: rent, mortgage, EMIs, insurance premiums, and subscriptions with fixed pricing.

4

Track variable spending

Add day-to-day expenses with a category tag. The category breakdown chart updates instantly so you can see which areas dominate your spending.

5

Set savings goals

Add financial goals with a target amount and how much you've already saved. The progress bar shows how close you are to each milestone.

6

Review insights and export

Check the Smart Insights panel for personalized tips based on your numbers. Export your plan as CSV for your records or to share with a financial advisor.

Frequently Asked Questions

Is my budget data saved?
The planner runs entirely in your browser — no account or server required. Your data is not saved between sessions, so use the Export CSV button to save your plan before closing the page. You can reload the CSV into a spreadsheet app at any time.
What is a healthy savings rate?
Most financial experts recommend saving at least 20% of your monthly income. The popular 50/30/20 rule allocates 50% to needs (rent, food, utilities), 30% to wants (entertainment, dining out), and 20% to savings and debt repayment. The planner shows you exactly how you compare to this benchmark.
What is the difference between fixed and variable expenses?
Fixed expenses are predictable monthly costs that stay the same — rent, loan EMIs, insurance, and fixed subscriptions. Variable expenses change month to month depending on your behaviour — groceries, fuel, dining out, shopping, and entertainment. Separating them helps you identify exactly where you have room to make changes.
Can I use this for a household or family budget?
Absolutely. Simply add all household income sources (both partners' salaries, rental income, etc.) and all shared expenses. The planner will calculate totals for the entire household. You can label entries clearly to track individual vs. shared expenses.
Can I track multiple months?
Use the Month and Year selectors at the top to label each plan. Export each month as a CSV file, then open and compare them in Excel or Google Sheets to see trends in your spending and savings over time.
What currencies are supported?
The planner supports Indian Rupee (₹ INR), US Dollar ($ USD), Euro (€ EUR), British Pound (£ GBP), Japanese Yen (¥ JPY), and Australian Dollar (A$ AUD). You can switch currency at any time using the dropdown in the top bar.
What does the 50/30/20 section show me?
The 50/30/20 rule is a budgeting framework popularised by Senator Elizabeth Warren. It suggests spending 50% of after-tax income on needs (essentials), 30% on wants (discretionary), and saving 20%. The planner maps your fixed expenses to "needs," variable expenses to "wants," and your remaining balance to "savings," so you can see at a glance if you're aligned with this model.
How are the Smart Insights generated?
Insights are generated automatically in real time based on your actual numbers. The planner checks your savings rate, spending proportions by category, and whether total expenses exceed income — then surfaces relevant, actionable tips. No data leaves your browser; everything is calculated locally.