Budget Planner - Free Online Tool - Small Study Tools

Money · Income & Expenses

Budget Planner

Track income and expenses, see your balance instantly, and spot where your money actually goes. Fully usable on mobile.

● Pro Version is Free for now

✓ Savings Goals · Saved Budgets · Custom Categories · Themes · Pie & Bar Charts · Print/PDF

Day Night

How this works

Remaining Balance = Total Income − Total Expenses

🗓️ Budget Period

💰 Monthly Income

Total Income $0.00

🧾 Monthly Expenses

Total Expenses $0.00

📊 Budget Summary

$0.00

Total Income

$0.00

Total Expenses

$0.00

Remaining Balance

Add income and expenses to see your budget health

🥧 Spending by Category

Export

🎨 Theme PRO

🎯 Savings Goal PRO

Goal Amount

Saved So Far

Set a goal to start tracking

📁 Saved Budgets PRO

🏷️ Custom Category PRO

`); w.document.close(); }async function shareSnapshot(){ if(!guardControl()) return; const text = buildSummaryText(); if(navigator.share){ try{ await navigator.share({title:'My Budget', text}); return; } catch(e){ if(e && e.name === 'AbortError') return; } } navigator.clipboard.writeText(text) .then(() => toast('Budget snapshot copied, paste it anywhere')) .catch(() => toast('Could not copy, try CSV download instead')); }// ── INIT ────────────────────────────────────────────────────── renderIncomeList(); renderExpenseList(); renderThemeSwatches(); renderCustomCategoryList(); renderProfileList(); try{ const m = localStorage.getItem('sst_bud_mode'); if(m === 'pro') setAppMode('pro'); const ti = parseInt(localStorage.getItem('sst_bud_theme')); if(!isNaN(ti) && THEMES[ti]) applyTheme(ti); const p = localStorage.getItem('sst_bud_period'); if(p && PERIOD_LABELS[p]) setPeriod(p); const ct = localStorage.getItem('sst_bud_charttype'); if(m === 'pro' && ct && ct !== 'donut') setChartType(ct); }catch(e){} window.addEventListener('resize', () => recalculate());

How to Use the Budget Planner

From income and expenses to a clear balance in seconds. Fully usable on mobile.

Pick Your Period

Choose Daily, Weekly, or Monthly framing for your budget.

Add Income & Expenses

List every income source and expense, with a category for each expense.

Check Your Balance

See your totals, remaining balance, and a chart of spending by category.

Export or Go Pro

Copy or download CSV free, or unlock themes, goals, and saved budgets in Pro.

Every calculation runs inside your own browser. No account, no tracking, nothing ever uploaded.

Specifications

Price Free

Data Handling Never leaves your browser

Budget Periods Daily · Weekly · Monthly

Pro Features Savings Goal · Themes · Saved Budgets

Platform Optimized for Web & Mobile

Built by SmallStudyTools.com

Found a bug or something not working right? Let us know and we'll fix it. Every report helps make this tool better.

Report an Issue

Budget Planner, Free and Online

A budget planner tracks your income and expenses side by side, so you always know your remaining balance and where your money is actually going, whether you're planning day by day, week by week, or a full month. This one works for students, freelancers, and anyone managing a personal or household budget, with an expense breakdown chart, savings goal tracking, and multiple saved budgets in Pro mode.

Most budgeting advice assumes you already know your numbers. This budget planner is built for the step before that, actually seeing them clearly. Add every income source, add every expense and give it a category, and the tool totals both sides instantly, shows your remaining balance in real time, and charts your spending by category so patterns that are easy to miss line by line become obvious at a glance. A Budget Period selector switches the whole layout between Daily, Weekly, and Monthly framing, useful whether you're checking if today's spending is on track or reviewing a full month's income against rent and bills. Pro mode adds a savings goal tracker, custom categories beyond the defaults, color themes, Pie and Bar chart views alongside the default Donut, and the ability to save multiple named budgets and switch between them.

The Core Formula

Remaining Balance = Total Income − Total Expenses

Every category, every income source, and every chart in this tool all trace back to this one line. Nothing more complicated is happening under the hood, which is exactly why the numbers stay easy to trust.

1Simple vs Pro, What Each Mode Includes

Feature	Simple Mode	Pro Mode (Free)
Unlimited income and expense rows, live totals	Included	Included
Daily, Weekly, Monthly period switch	Included	Included
Donut chart, Copy and CSV export	Included	Included
Pie and Bar chart views	Not included	Included
Savings goal tracker	Not included	Included
Custom categories, color themes	Not included	Included
Multiple saved budgets, Print/PDF export	Not included	Included

2Common Budgeting Frameworks, Quick Reference

50/30/20 Rule

Needs 50%, wants 30%, savings 20%

Zero-Based Budget

Every dollar assigned a job

Envelope Method

Fixed cash per category

Pay-Yourself-First

Savings set aside before spending

The mistake that undoes most first-time budgets is not choosing the wrong framework, it's underestimating spending in categories that don't feel like "real" expenses, subscriptions, takeout, small recurring purchases that never show up as one big number. A category breakdown chart exists specifically to catch this, since a dozen small purchases scattered across a bank statement are easy to miss individually but obvious the moment they're grouped together and shown as a single slice of a chart.

3Where the 50/30/20 Rule Actually Came From

The 50/30/20 split referenced constantly in budgeting advice has a specific, traceable origin. It comes from All Your Worth: The Ultimate Lifetime Money Plan, a 2005 book by Elizabeth Warren, then a Harvard Law School professor and later a United States Senator, co-written with her daughter Amelia Warren Tyagi. The two had spent years researching why middle-class families kept going broke even as household incomes rose, and their conclusion was straightforward, most people had no clear, simple sense of what they could actually afford to spend in each part of their life. Their fix was a rule anyone could remember without a spreadsheet, split after-tax income into needs, wants, and savings, in that 50/30/20 proportion. It has stuck around for two decades not because it is the most precise system available, but because it is the rare piece of financial advice simple enough that people actually follow it.

Question	Quick Answer
Who introduced the 50/30/20 rule?	Elizabeth Warren and Amelia Warren Tyagi
Where was it introduced?	Their 2005 book, All Your Worth
What problem was it solving?	Middle-class families with no clear sense of what they could afford
What are the three categories?	Needs (50%), Wants (30%), Savings (20%)

Privacy Note

Every calculation runs inside your own browser using JavaScript, nothing is uploaded or sent to a server, and no account or signup is required.

4Frequently Asked Questions

How do I use this budget planner?

Add every income source with its amount, then add every expense and assign it a category. The tool totals both sides automatically and shows your remaining balance, along with a chart of where your money is actually going by category.

Can I use this for a daily or weekly budget instead of monthly?

Yes. A Budget Period selector lets you switch between Daily, Weekly, and Monthly framing, and the income and expense sections relabel themselves to match, so the same tool works whether you're planning a single day's spending or a full month.

What is the 50/30/20 rule and does this tool use it?

The 50/30/20 rule splits after-tax income into 50 percent needs, 30 percent wants, and 20 percent savings, a framework popularized by Elizabeth Warren and Amelia Warren Tyagi in their 2005 book All Your Worth. This planner does not force that split on you, it shows your real numbers by category so you can compare them against 50/30/20 or any other framework yourself.

Does this budget planner work for professionals, not just students?

Yes. The categories, income tracking, and savings goal are general purpose, useful for anyone managing personal income and expenses, whether that's a student on a part time job, a freelancer, or someone managing a household budget.

Can I save more than one budget?

Yes, in Pro mode. Save your current budget under a name like a specific month, then load or delete any saved budget later, useful for comparing how your spending changes over time.

Is my financial data private when I use this planner?

Yes. Every calculation runs inside your own browser using JavaScript, nothing is uploaded or sent to a server, and no account or signup is required.

Grounded in Fortune's own reporting on the origin of the 50/30/20 rule, not a generic budgeting claim with no source. The full article is available at Fortune. For related tools on this site, see the Freelance Tax Calculator and the full SmallStudyTools.com tool library.

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