Free Monthly Budget Calculator & Online Budget Tool
Take control of your money. Plan your monthly spending, track income and expenses, compare your budget with actual spending, and see how much you could save — all in one simple dashboard.
Add a Transaction
Record income or an expense to update your monthly dashboard.
Monthly Budget by Category
Set a spending limit for each category and compare it with your recorded expenses.
Spending Overview
See how your actual spending compares with planned budgets.
Add your income, set category budgets, and record expenses to get a personalized summary of your current budget.
Quick Financial Check
A simple snapshot of your monthly money plan.
Based on your planned category budgets minus recorded expenses.
Transaction History
Review, search, filter, and manage your recorded transactions.
| Date | Description | Category | Type | Amount | Action |
|---|
🔒 Your entries are stored locally in this browser on this device. Clearing browser data may erase saved entries.
How to Use This Free Budget Planner
A monthly budget helps you understand where your money comes from, where it goes, and how much you may have left at the end of the month. This free budget planner brings income tracking, expense management, category budgets, and monthly financial summaries together in one place.
1. Enter Your Monthly Income
Start by adding the income you expect to receive, such as your paycheck, freelance earnings, business income, or other sources. Record the actual amounts received so your dashboard reflects the transactions you enter.
2. Set Spending Limits
Assign a planned budget to categories such as housing, utilities, groceries, transportation, healthcare, insurance, dining out, and entertainment. You can adjust these amounts to suit your household, income, and financial priorities. Your planned budget is separate from your recorded expenses, allowing you to compare the two.
3. Track Expenses Throughout the Month
Add expenses when you pay a bill or make a purchase. Choose the category, enter the date and amount, and add a short description. The planner updates your totals and category comparisons automatically. You can search and filter your transaction history to find individual entries.
4. Review Your Savings and Spending
Your remaining balance is calculated by subtracting recorded expenses from recorded income. Your savings rate shows the remaining balance as a percentage of income when income is greater than zero. These figures are useful budgeting indicators, but they are not a substitute for a complete financial statement.
5. Download Your Budget Report
Use CSV export to download a spreadsheet-friendly file containing your monthly transactions and budget summary. To create a PDF report, select Save PDF Report and choose the Save as PDF destination in your browser's print dialog. You can then keep a copy for your personal records.
Frequently Asked Questions
Is this online budget planner free?
Yes. You can use this budget planner without paying a fee or creating an account. Your browser must support JavaScript for the calculator and export features to work.
Can I download my budget as a CSV file?
Yes. Select Export CSV to download your selected month's transaction history and budget summary. You can open the file in spreadsheet applications that support CSV files.
How do I save my budget as a PDF?
Select Save PDF Report. In the print dialog, choose Save as PDF and save the resulting report to your device.
Will my budget be saved automatically?
This planner saves information in your browser's local storage. Entries generally remain available when you reopen the page in the same browser on the same device, unless browser data is cleared. Local browser storage is not a cloud backup.
Can I plan a different month?
Yes. Change the Budget Month selector to review another month. The planner keeps monthly transactions and category budgets separate.
Does this planner connect to my bank?
No. This tool does not connect to bank accounts or import transactions automatically. You enter your income and expenses manually.
Is the savings rate the same as investment returns?
No. The savings rate shown here is the remaining recorded income as a percentage of recorded income. It does not measure investment performance or guarantee future savings.
Disclaimer: This tool is intended for general budgeting and educational purposes only. It is not financial, tax, legal, or investment advice. Check your own records before making financial decisions.