Personal Budget Planner | 50/30/20 Budget Calculator

Create, visualize, and manage your budget with our powerful interactive planner. Your data stays private - everything runs locally in your browser.

Financial Snapshot

Enter your income to see your budget summary. Allocated shows your top-level categories, unallocated is what's left over.
$

Enter your total income to get started

Total Allocated

$0.00

Unallocated

$0.00

Budget Plan

Drag and drop to reorder. Click any item to edit it on the right.

Budget Templates

Get started quickly with proven budgeting strategies. Click any template to load it.

50-30-20 Rule

Popular

Classic budgeting: 50% needs, 30% wants, 20% savings and debt.

Needs: 50%
Wants: 30%
Savings: 20%

Zero-Based Budget

Detailed

Every dollar has a purpose. Allocate 100% of your income.

Housing: 25-35%
Transportation: 10-15%
Food: 10-15%
Utilities: 5-10%
Savings: 10-20%

Envelope Method

Traditional

Digital envelope system with fixed amounts for discretionary spending.

Groceries: Fixed Amount
Entertainment: Fixed Amount
Dining Out: Fixed Amount
Shopping: Fixed Amount

Debt Snowball

Debt Focus

Pay off smallest debts first while maintaining minimum payments.

Essential Expenses: 50%
Debt Payments: 30%
Discretionary: 15%
Emergency Fund: 5%

Minimalist Budget

Simple

Focus on essentials and intentional spending with fewer categories.

Essentials: 60%
Quality of Life: 25%
Future: 15%

High-Income Budget

Lifestyle

For higher earners focusing on wealth building and lifestyle maintenance.

Living Expenses: 40%
Investments: 30%
Lifestyle: 20%
Taxes: 10%

Budget Planning Features

Interactive Budget Tree Editor

Build unlimited categories and subcategories. Click any item to edit instantly with clear visual hierarchy.

Real-time Budget Calculations

Watch allocations update instantly. See percentages, unallocated funds, and automatic calculations.

Interactive Donut Charts

Visualize budget breakdown with hover details and real-time updates.

Three Allocation Types

Fixed Dollar amounts, Percentage-based, or Flexible Remainder. Mix and match for your strategy.

Drag & Drop Reorganization

Move items between categories, reorder priorities, and restructure without losing data.

Smart Budget Templates

Start with proven strategies: 50-30-20 rule, zero-based, envelope method, debt snowball, and more.

Export & Import Functionality

Save as JSON files for backup or sharing. Import previous budgets or templates.

Automatic Data Persistence

Auto-saves to browser storage. No registration - your data stays private and secure.