Budget Planner
Enter your income and expenses once — see your remaining cash flow and savings ratio update live, and pick up where you left off next time.
Cash Flow Mix
Total Income
$0
Total Expenses
$0
Remaining Cash Flow
$0
Savings Ratio
0%
Savings Target Progress
Enter your numbers to see progress toward your target.
Cash flow, income to allocation
Spending breakdown by category
Budgeting Frameworks
Common approaches to allocating income
These are starting frameworks, not rules — adjust the splits to fit your household.
The 50/30/20 Split
Roughly 50% to needs, 30% to wants, and 20% to savings or debt payoff — a common starting benchmark.
Category-Based Budgeting
Assign every dollar of income to a specific category before the month begins, adjusting as needed.
Pay-Yourself-First
Automate a savings transfer the moment income arrives, then budget remaining expenses around it.
Expense Tracking
Review your categories monthly, not just once
A budget drifts out of date the moment costs change. Revisiting your categories each month — and updating this planner — keeps your remaining cash flow number accurate.
- Update figures after bills or paychecks change
- Watch flexible categories for gradual creep
- Recheck your savings ratio against your target