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Budget Planner

Build a monthly budget, analyze expense allocations, and identify where to save.

Free to use, no watermarks, runs in your browser—nothing uploads to our servers

Monthly Income

Expense Categories

Budget Analysis

$800.00

Monthly Surplus

$4,200.00

Total Expenses

0.84%

Income Used

Expense Breakdown

Housing

30.00%

Transportation

8.00%

Food

12.00%

Utilities

4.00%

Insurance

6.00%

Healthcare

4.00%

Entertainment

6.00%

Personal

4.00%

Savings

10.00%

50/30/20 Rule Recommendations

$2,500.00

Needs (50%)

$1,500.00

Wants (30%)

$1,000.00

Savings (20%)

Great job! You have $800.00 left over each month. Consider increasing savings or investments.

Jump to helper sections

What is the 50/30/20 budget rule?

The 50/30/20 rule suggests allocating 50% of income to needs (housing, food, utilities), 30% to wants (entertainment, dining out), and 20% to savings and debt repayment.

How much should I save each month?

Financial experts recommend saving at least 20% of your income. If you're starting out, begin with 5-10% and gradually increase. The key is consistency over time.

What counts as needs vs wants?

Needs are essential expenses: housing, utilities, groceries, transportation, insurance. Wants are non-essential: entertainment, dining out, hobbies, luxury items. Be honest about what's truly necessary.

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