DevelopersMatrix

Free Budget Planner & Expense Tracker

Build a simple monthly statement of what comes in and what goes out. Weekly pay and yearly bills are turned into monthly amounts for you, so you can see what is really left over and plan your savings.

  • Yearly bills shown monthly
  • 50/30/20 check
  • 15 currencies
  • CSV export
  • No signup

Monthly statement

This month

Money in
$0
per month
Money out
$0
per month
Left over
$0
per month

Money in

Take home pay, after tax

$0/mo

Add what you take home each month. Add each source of pay as its own line.

Quick add

Money out

Bills, spending and savings

$0/mo

Add your bills and spending. Yearly bills like insurance are turned into a monthly amount for you.

Quick add

Where every 100 goes

Add money in and money out to see how each 100 you take home is split.

50/30/20 check

Needs, wants and savings as a share of take home pay. Money left over counts as saving.

Add your take home pay first.

The 50/30/20 split comes from the book All Your Worth by Elizabeth Warren and Amelia Warren Tyagi (2005). It is a rule of thumb, not a test. Where rent is high, needs often take more than half.

Savings goal

Each month I put aside

Set a target to see how long it will take.

Loading your saved budget…

Free Budget Planner & Expense Tracker: See Where Your Money Goes

Most budgets fail for a dull reason: they leave things out. The car insurance that renews once a year, the subscription billed every quarter, the birthday gifts in December. Each one is small next to rent, but together they are why a month that looked fine on paper ends short.

This planner lays your money out like a bank statement. Money in on one side, money out on the other, every line converted to a monthly amount whatever its schedule. You see the real gap at the bottom, how each 100 you take home gets split, and how long your savings goal will take at the pace you can afford.

How to Use the Budget Planner

  1. 1

    Start with take home pay

    Use what actually lands in your account after tax and deductions, not your salary on paper. Add each source as its own line with how often it is paid.

  2. 2

    List your money out

    Open last month's bank statement and go line by line. Use the quick add buttons for the bills people forget. Pick yearly or every three months for bills that do not come monthly.

  3. 3

    Mark needs, wants and savings

    Needs are bills you must pay. Wants are things you could cut. Savings include investing and paying off debt faster than the minimum.

  4. 4

    Read the bottom line

    If you are short, start with the biggest want, then the biggest need you could change. If money is left over, give it a job in the savings goal.

  5. 5

    Keep it current

    The budget stays in this browser, so come back when your pay or bills change. Download a CSV each month if you want a record.

How the 50/30/20 Rule Works

Elizabeth Warren and Amelia Warren Tyagi described this split in their 2005 book All Your Worth. It divides take home pay into three parts:

50% needs

Housing, utilities, groceries, transport, insurance and minimum debt payments.

30% wants

Eating out, streaming, hobbies, holidays and anything you could live without.

20% savings

An emergency fund, retirement, investing and paying debt off faster.

Treat it as a guide, not a pass or fail test. In cities where rent is high, needs often take well over half, and that does not mean you are doing something wrong. What matters is that you can see your own split and choose where to move it.

Budgeting Mistakes That Are Easy to Fix

1.Forgetting bills that are not monthly

Insurance, car tax, memberships and annual software renewals hit all at once. Enter them as yearly and the planner spreads them across the year, so you can set that amount aside each month.

2.Budgeting from your salary instead of take home pay

Tax, pension and other deductions come off first. A budget built on the bigger number will always come up short.

3.No room for the unexpected

Something breaks most months. A small line for repairs or one off costs keeps a single surprise from wrecking the plan.

4.A goal with no monthly amount

Saving for a deposit someday rarely happens. A target plus a fixed amount each month gives you a date, and the planner shows it.

5.Never looking again

Pay changes, prices rise and subscriptions creep in. A quick check each month keeps the numbers honest.

Budgeting on a Freelance or Uneven Income

If your income changes from month to month, build the budget on a low month, not an average one. Look back over the last six to twelve months and use a figure you hit in most of them. Anything you earn above it goes to savings or a buffer for quiet months.

Freelancers should also set aside money for tax as its own line in money out, so it never looks like spare cash. How much depends on where you live and how you are set up, so check with a local accountant.

Frequently Asked Questions

Is the Budget Planner completely free to use?
Yes. It is free with no signup, no card and no limit on how many lines you add. The site is supported by ads, not by selling your data.
How does the Budget Planner work?
You list your money in (take home pay) and your money out, each with how often it happens: weekly, every two weeks, monthly, every three months or yearly. The planner turns everything into a monthly amount, so a yearly insurance bill shows as one twelfth each month. It then shows what is left over, how every 100 you take home is split, how your needs, wants and savings compare with the 50/30/20 rule of thumb, and how many months a savings goal will take.
Is my financial data private and secure?
Your budget is saved in your own browser using local storage and is not sent to our servers. That also means anyone who uses the same browser profile can see it, and clearing your browser data deletes it. Download the CSV if you want a copy you control, and avoid using the planner on a shared computer.
Can I track multiple income sources?
Yes. Add each source as its own line, such as a salary paid every two weeks, freelance work paid monthly and a yearly bonus. Each line keeps its own frequency and the planner adds them up per month.
What expense categories are included?
There is no fixed list. You name each line yourself, and twelve quick add buttons cover the bills people most often forget, such as insurance, subscriptions and gifts. Every line is grouped as a Need, a Want or a Saving, which is what the 50/30/20 check uses.
Can I use this for business or freelance budgeting?
It is built for a personal monthly budget, and it works well for freelancers who want to know what they need to earn each month. For business accounts, invoices and tax, use proper bookkeeping software or an accountant. Keeping business costs in a separate budget from personal ones makes both easier to read.
Does it support multiple currencies?
You can show your budget in any of 15 currencies, including the US dollar, euro, pound, rupee, dirham and naira. It does not convert between currencies, so enter every amount in the same one.
What is a good savings rate to aim for?
The 50/30/20 rule of thumb from Elizabeth Warren and Amelia Warren Tyagi suggests putting 20 percent of take home pay toward savings and paying off debt faster. It is a starting point, not a rule you fail. If 20 percent is out of reach, start with a smaller amount you can keep up every month, and build a small emergency fund before anything else.

Related Tools for Personal Finance

Salary Estimator

Check official pay ranges for your job and area before you plan.

Habit Tracker

Track a daily money habit, like logging what you spend.

Productivity Planner

Plan the day with time blocks and a Top 3.

Startup Idea Generator

Side business ideas that fit your time and budget.

AI Side Hustles Report

Realistic ways to add income, with the catches.

View all free tools

Planners, checkers, calculators and more.

Quick tip

Set up an automatic transfer to savings on the day you get paid. Money you never see in your spending account is much easier to keep.

Related Resources