Budget Calculator
Runs locally in your browser. Nothing leaves your device.Plan a monthly budget from net income, needs, wants and financial goals, with an optional detailed frequency-based breakdown.
Plan your monthly net income, spending and financial goals.
Your budget data stays on this device.
Budget result
Not yet allocated
€300.00
€3,600.00 per year
- Monthly net income
- €3,000.00
- Planned use of income
- €2,700.00
- Needs
- €1,500.00 · 50.0 %
- Wants
- €750.00 · 25.0 %
- Saving & extra debt payments
- €450.00 · 15.0 %
Show budget details
| Item | Month | Year |
|---|---|---|
| Monthly net income | €3,000.00 | €36,000.00 |
| Needs | €1,500.00 | €18,000.00 |
| Wants | €750.00 | €9,000.00 |
| Saving & extra debt payments | €450.00 | €5,400.00 |
| Planned use of income | €2,700.00 | €32,400.00 |
Calculation method: Non-monthly values are normalized exactly on an annual basis and then shown as an average monthly equivalent. Monthly values may be adjusted by minor currency units so visible totals remain consistent.
How it works
- 1
Enter income and expenses
Enter income and planned uses of funds, in quick view or in detail.
- 2
Optionally choose a budget rule
Enable the 50/30/20 rule or define your own target shares for comparison.
- 3
Review and export the result
Review the available budget, savings rate, and distribution, and download the budget as a CSV.
Good to know
The budget calculator plans monthly net income, expenses, and savings goals directly in your browser — in a quick view with three totals or a detailed breakdown with up to 100 line items. Each item can have its own payment frequency (weekly, monthly, annual, or custom), automatically normalized to a monthly equivalent.
Calculation runs locally in the browser. Optionally, your own distribution can be compared against the 50/30/20 rule or a custom target rule that must add up to exactly 100% — the comparison is only a reference point and doesn't have to fit your situation.
Typical use cases
Compare a budget against the 50/30/20 rule
Enable the comparison to see whether needs, wants, and savings are in the recommended proportion.
Plan irregular expenses monthly
Enter annual or quarterly costs with their real frequency and have them automatically reflected as a monthly equivalent in the budget.
Tips for better results
Use the detailed breakdown for real accuracy
The quick view suits a rough overview; for reliable planning with different frequencies, the detailed breakdown is more accurate.
Your own rule must total exactly 100%
For a custom comparison rule, the target shares for needs, wants, and savings must add up to exactly 100%.
Features
Quick view or up to 100 detail line items
Choose between a rough quick view and a detailed breakdown with individual frequencies per item.
Comparison with budget rules
Compare your budget against the 50/30/20 rule or a custom, freely defined target rule.
Local and private
Your budget data stays on this device.
Frequently asked questions
How are different payment frequencies handled?
Non-monthly values are normalized exactly on an annual basis and then shown as an average monthly equivalent.
Is my budget data uploaded?
No. Your budget data stays entirely on this device.
More tools
Looking for another tool?
Every tool runs locally in your browser – no sign-up, no upload, and it works offline.