How do I start using the Budget Planner?

Simply enter your monthly income and start adding your expenses by category. The tool will automatically calculate your total expenses and net savings.

Can I save my budget data?

Yes, you can export your budget data to CSV format for offline storage and analysis.

Budget Planner - Free Online Budget Planning Tool

Budget month Select a month, enter income and expenses, then switch months to fill the trend chart.

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Income

Expenses

Total Income

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Total Expenses

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Net Savings

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Expense Distribution

Monthly Trend

Last 6 months from saved budget data

Saved months

Click a row to edit that month. Data is stored in your browser.

Month	Income	Expenses	Net savings
No months saved yet — pick a month above and add income or expenses.

About Budget Planner

Our Budget Planner tool helps you take control of your finances by providing a comprehensive platform to track your income, expenses, and savings goals. With intuitive features and visual analytics, you can make informed financial decisions and achieve your financial objectives.

Expense Tracking

Monitor your spending patterns and identify areas for improvement.

Trend Analysis

Track your financial progress over time with visual charts.

Savings Goals

Set and track your savings objectives with ease.

Mobile Friendly

Access your budget anytime, anywhere on any device.

How to Use

Enter Your Income

Start by entering your monthly income and any additional sources of income to set up your budget baseline.

Add Expenses

Input your expenses by category to track where your money is going and identify spending patterns.

View Analysis

Check the summary cards and charts to understand your financial situation and make informed decisions.

Track Progress

Monitor your monthly trends and adjust your budget accordingly to achieve your financial goals.

Budgeting in India: The 50-30-20 Rule (Adapted)

The classic 50-30-20 split — needs, wants, savings — works well for Indian households when you adjust categories for local realities. Rent in tier-1 cities often consumes 25–35% of take-home pay, so many Mumbai or Delhi renters use a 40-30-30 variant instead.

Worked example — Pune, ₹85,000 take-home:

Needs (~₹42,500): Rent ₹18,000, groceries ₹8,000, utilities + broadband ₹3,500, school fees ₹7,000, health insurance premium (monthly share) ₹2,500, commute ₹3,500.
Wants (~₹25,500): Dining out, OTT, festivals/travel sinking fund, clothing.
Savings & debt (~₹17,000): SIP ₹8,000, EPF/VPF top-up ₹4,000, emergency fund ₹3,000, occasional prepayment of personal loan ₹2,000.

Track UPI spends under "wants" unless they are true necessities — Swiggy and Amazon often hide budget leaks. Use the month picker above to log past months; the trend chart fills in as you save income and expenses across months (stored locally in your browser). Export to CSV monthly and reconcile against your bank statement; most Indian banks now offer category-wise spend summaries in their apps.

Written by our Tools Editor. Pair with Expense Splitter for shared flat costs and Emergency Fund Calculator before aggressive investing.

Frequently Asked Questions

Simply pick a budget month, enter your income, and add expenses by category. Switch months to compare periods — the trend line updates as you save data for each month.

Pick a month from the calendar control, enter income and expenses, then choose another month to build history. Data is saved in your browser and drives the 6-month trend chart. You can also export the current month to CSV for offline backup.

It's recommended to update your budget at least once a month, but you can track expenses daily for more accurate results.

Budget Planner