Budget Planner (50/30/20) | Free, Private, Browser-Only

Monthly take-home income

Currency

Rule

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

Your split

Allocation of monthly income

Export

The 50/30/20 rule, flexibly

The classic rule puts 50% 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. No account, nothing uploaded, free forever.

§ 02 · what you can do

Budgeting, without the spreadsheet.

Instant allocationsEnter your monthly take-home and see the Needs, Wants and Savings amounts in your currency immediately.

Four budget rules50/30/20, 60/20/20, 70/20/10 — or a fully custom split with sliders, validated to total exactly 100%.

Real line itemsAdd Rent, Groceries, Subscriptions and more under each bucket to track what you actually plan to spend.

Over-budget warningsProgress bars fill as you plan and turn red the moment a bucket goes over its allocation.

Live donut chartA visual split of your income with a legend — including an unallocated slice when a custom rule is under 100%.

Copy & CSV exportCopy a plain-text summary or download a structured CSV for any spreadsheet app.

§ 03 · how to use it

Five steps, no signup.

Enter your monthly take-home income and pick your currency.
Choose a rule — 50/30/20, 60/20/20, 70/20/10 — or set a custom split that totals 100%.
Add line items under Needs, Wants and Savings for the real expenses in each bucket.
Watch the progress bars and donut chart update — red bars mean a bucket is over budget.
Copy the summary or download a CSV. Your data stays on your device.

§ 04 · faq

Frequently asked questions.

Is the Budget Planner free?

Yes — completely free for everyone. No sign-up, no account and no usage limits.

Is it private? Is my financial data uploaded anywhere?

No upload, ever. The planner runs entirely in your browser on your own device — your income and expenses are saved to this browser's local storage and never leave your computer.

What is the 50/30/20 rule?

A simple budgeting guideline: put 50% of your monthly take-home toward needs (rent, groceries, utilities), 30% toward wants and 20% toward savings and extra debt payments. The planner also offers 60/20/20, 70/20/10 and a fully custom split.

Will I lose my budget if I close the tab?

No — it's saved in this browser automatically and reloads when you come back. Clearing site data removes it, so download a CSV copy any time you want a backup.

Can I change the currency?

Yes — pick from ten currency symbols including USD, EUR, GBP, INR, JPY, AUD and CAD. The symbol is used for display only; no exchange-rate conversion happens.

Does it work offline?

Yes — once the page has loaded, every calculation, line item and export runs locally, so it keeps working without a connection.

§ 05 · related tools

More money tools.

Browse the full free-tool library →

Break-Even CalculatorFind the sales volume where revenue covers your costs — instant break-even math. Runway CalculatorHow many months of cash you have left at your current burn rate. Payback Period CalculatorHow long an investment takes to pay for itself, month by month.

Budget planner (50/30/20). Give every dollar a job.