HeroTools / Productivity
Local · Private · Free

Budget Planner

Split your monthly take-home into Needs, Wants and Savings — 50/30/20 and friends, editable line items, progress bars and CSV export. All on your device.

🔒 Saved only in this browser — your money data never leaves your device.

Your split

Allocation of monthly income

Enter your monthly income to see the split.

Export

The 50/30/20 rule, flexibly

The classic rule puts 50% of take-home pay toward needs (rent, groceries, utilities), 30% toward wants and 20% toward savings and extra debt payments. Tighter months might call for 60/20/20 or 70/20/10 — or set your own custom split. Add real line items under each bucket to see exactly how much room is left, with over-budget warnings before the month gets away from you. Everything stays in your browser's local storage and exports to CSV. Free forever.

About Budget Planner (50/30/20)

Budget Planner (50/30/20) is a free, private productivity tool that runs entirely in your web browser. Build a 50/30/20 budget from your income — customizable categories with a visual split. Because everything happens locally on your device, your files and data are never uploaded to a server, there is no sign-up or installation required, and it keeps working offline. It is handy for budget calculator, 50 30 20, budget planner, monthly budget. Like every HeroTool by Digital Heroes, Budget Planner (50/30/20) is 100% free with no limits.

How to use Budget Planner (50/30/20)

  1. Open Budget Planner (50/30/20) — it runs entirely in your browser, with no signup.
  2. Fill in the fields or choose the options you want.
  3. Adjust the options to match exactly what you need.
  4. Copy or download your result — it is free, and your data stays on your device.

Frequently asked questions

Is Budget Planner (50/30/20) free?

Yes — Budget Planner (50/30/20) is completely free for everyone. No sign-up, no account and no usage limits.

Is it private? Are my files uploaded anywhere?

No. Budget Planner (50/30/20) runs entirely in your browser on your own device, so your data never leaves your computer and nothing is uploaded to a server.

Does it work offline?

Yes. HeroTools is a Progressive Web App — once the page has loaded it keeps working offline, and you can install it as an app from your browser.

Do I need to install anything or create an account?

No. Just open the page and start using it. Installing it as an app is optional and only adds offline convenience.

What does Budget Planner (50/30/20) do?

Build a 50/30/20 budget from your income — customizable categories with a visual split.

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