Monthly Budget Planner
Monthly budget planner with savings rate, 50/30/20 rule, and yearly projection
Income
Fixed Expenses
Variable Expenses
Savings Goals
Summary
Over Budget- Total Monthly Income
- ₹50,000
- Total Fixed Expenses
- ₹21,000(42.0%)
- Total Variable Expenses
- ₹19,500(39.0%)
- Total Savings
- ₹10,000(20.0%)
- Remaining / Unallocated
- ₹500(0.0%)
- Savings Rate
- 20.0%
Income Allocation
50/30/20 Rule
Category Breakdown
| Category | Monthly Amount | % of Income | |
|---|---|---|---|
| Variable | ₹19,500 | 39.0% | |
| Housing | ₹18,000 | 36.0% | |
| Insurance | ₹2,000 | 4.0% | |
| Subscriptions | ₹1,000 | 2.0% |
12-Month Savings Projection
At 8% annual return (compounded monthly)| Month | Monthly Savings | Cumulative Savings | Growth (Interest) |
|---|---|---|---|
| Mar | ₹10,000 | ₹10,000 | +₹0 |
| Apr | ₹10,000 | ₹20,067 | +₹67 |
| May | ₹10,000 | ₹30,200 | +₹200 |
| Jun | ₹10,000 | ₹40,402 | +₹402 |
| Jul | ₹10,000 | ₹50,671 | +₹671 |
| Aug | ₹10,000 | ₹61,009 | +₹1,009 |
| Sep | ₹10,000 | ₹71,416 | +₹1,416 |
| Oct | ₹10,000 | ₹81,892 | +₹1,892 |
| Nov | ₹10,000 | ₹92,438 | +₹2,438 |
| Dec | ₹10,000 | ₹1,03,054 | +₹3,054 |
| Jan | ₹10,000 | ₹1,13,741 | +₹3,741 |
| Feb | ₹10,000 | ₹1,24,499 | +₹4,499 |
| Year-end | ₹1,20,000 | ₹1,24,499 | +₹4,499 |
How to Use Monthly Budget Planner
- 1
Select your currency (INR, USD, GBP, EUR, or NPR) from the currency selector at the top of the page.
- 2
In the Income section, enter your salary or primary income source, set the amount, and choose the frequency (monthly, weekly, or yearly).
- 3
Click "Add Income Source" to add freelance income, rental income, or any other earnings — all frequencies are automatically converted to monthly.
- 4
In the Fixed Expenses section, review the pre-filled defaults (rent, utilities, insurance, subscriptions) and update them with your actual amounts.
- 5
In the Variable Expenses section, enter your average monthly spending on groceries, dining, entertainment, shopping, healthcare, and personal care.
- 6
In the Savings Goals section, set a monthly contribution for your Emergency Fund, Investments, or any custom savings goal you add.
- 7
Review the live Summary Dashboard — it shows total income, expenses, savings, remaining balance, your savings rate, and a Budget Health badge.
- 8
Check the 50/30/20 Rule comparison and 12-month projection table, then export your budget by clicking "Copy Summary" or "Download as .txt".
About Monthly Budget Planner
Free monthly budget planner — track income, fixed expenses, variable spending, and savings goals in one simple interface. See your spending breakdown with charts, get alerts when you exceed budget limits, and plan your finances month by month.
Key Features
- Income & Expenses: Add multiple income sources and categorized expenses.
- Budget Categories: Housing, food, transport, utilities, entertainment, and custom categories.
- Visual Charts: Pie chart and bar chart breakdown of your spending categories.
- Savings Tracker: Set a savings goal and see how much you have left after expenses.
- Multi-Currency: Works with INR, USD, NPR, and other currencies.
Who Is This For?
Individuals managing personal finances, couples planning household budgets, students tracking expenses, freelancers monitoring cash flow, and anyone who wants a quick budget overview without spreadsheets.
Privacy & Security
Runs 100% in your browser — no signup, no uploads, no data stored.