Local · Private · Free

Budget Planner

Split your monthly take-home into Needs, Wants and Savings. Choose 50/30/20 or another rule, add real line items, watch progress bars fill, and export to CSV. All on your device.

Monthly take-home income

Currency

Rule

Needs %

Wants %

Savings %

Saved only in this browser. Your money data never leaves your device.

Your split

Allocation of monthly income

Enter your monthly income to see the split.

Export

The 50/30/20 rule, flexibly

The classic rule puts 50% toward needs (rent, groceries, utilities), 30% toward wants and 20% toward savings and extra debt payments. Tighter months might call for 60/20/20 or 70/20/10, or set your own custom split. Add real line items under each bucket to see exactly how much room is left, with over-budget warnings before the month gets away from you. Everything stays in your browser's local storage and exports to CSV. Free forever.

About Budget Planner (50/30/20)

Budget Planner (50/30/20) is a free, private productivity tool that runs entirely in your web browser. Build a 50/30/20 budget from your income: customizable categories, progress bars, and a visual donut chart. Because everything happens locally on your device, your data is never uploaded to a server, there is no sign-up required, and it keeps working offline. Useful for monthly budgeting, the 50/30/20 rule, personal finance planning, and savings tracking. Like every free online tool by Digital Heroes, Budget Planner (50/30/20) is 100% free with no limits.

What you can do

Set a monthly income and instantly see your Needs, Wants, and Savings allocations in dollars.

Choose a budget rule: 50/30/20, 60/20/20, 70/20/10, or a fully custom percentage split.

Add real line items under each bucket (Rent, Groceries, Subscriptions, etc.) to track actual spending.

Spot overspending instantly with colour-coded progress bars and over-budget warnings per bucket.

See a live donut chart of your income split as you build your plan.

Export your plan as plain text (copy) or a structured CSV file for spreadsheets.

Frequently asked questions

Is Budget Planner (50/30/20) free?

Yes. Budget Planner (50/30/20) is completely free for everyone. No sign-up, no account, and no usage limits.

Is it private? Are my files uploaded anywhere?

No. Budget Planner (50/30/20) runs entirely in your browser on your own device, so your data never leaves your computer and nothing is uploaded to a server.

Does it work offline?

Yes. This tool is a Progressive Web App: once the page has loaded it keeps working offline, and you can install it as an app from your browser.

Do I need to install anything or create an account?

No. Just open the page and start using it. Installing it as an app is optional and only adds offline convenience.

What does Budget Planner (50/30/20) do?

It helps you split your monthly income into Needs, Wants, and Savings using the 50/30/20 rule (or a custom split), add real line items, track spending with progress bars, and export your plan.