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Monthly Budget Planner

Plan where your money goes each month — and see what's left.

  • Free
  • No sign-up
  • Nothing is sent or stored

Result

Left over each month
$450
Needs
$2,550
64% of income (guide: 50%)
Wants
$500
13% (guide: 30%)
Savings incl. leftover
$950
24% (guide: 20%)
Spent in total
$3,550
Rent / mortgage$1,300 · 33%
Savings & investing$500 · 13%
Groceries$450 · 11%
Transport$250 · 6%
Utilities & internet$200 · 5%
Debt repayments$200 · 5%
Eating out & takeaway$200 · 5%
Insurance & health$150 · 4%
Entertainment & hobbies$150 · 4%
Shopping & subscriptions$150 · 4%
The 50/30/20 rule is a starting point, not a law — high-rent cities often need more than 50% for needs.

The calculation happens instantly in your browser. The numbers you enter are not sent to our servers or saved.

How to use the Monthly Budget Planner

  1. Enter your monthly take-home income.
  2. Fill in what you spend or plan to spend in each category.
  3. Check what's left and how your plan compares with 50/30/20.

What does this tool do?

The 50/30/20 rule suggests spending about 50% of take-home pay on needs, 30% on wants and saving 20%. The planner groups your categories this way and shows where you're over or under.

Bars show which categories take the biggest share, which is usually the fastest way to find savings. Everything is calculated in your browser; nothing you enter is sent to us.

Why use it?

  • 10 common categories.
  • 50/30/20 comparison.
  • Visual breakdown.

Privacy

The calculation happens instantly in your browser. The numbers you enter are not sent to our servers or saved. There's no account to create and nothing to install.

Last reviewed by the M2Toolkit team.

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