What is the 50/30/20 rule?

A rule of thumb: about half of take-home pay goes to needs such as rent, food and bills, about 30% to wants, and at least 20% to savings and debt repayment. It is a starting point for judging a budget, not a law.

Is an SIP a need or a saving?

A saving. Anything that moves money to your future self — an SIP, a recurring deposit, an emergency fund, extra loan prepayment — belongs in savings, which is the figure the rule's 20% is about.

Does it connect to my bank?

No, deliberately. There is no account, no bank login and no import. You type the figures, and they live in the page's address on your device — the site keeps no copy.

What does the savings rate show?

Savings as a share of income. Before you fill in actual figures it uses what you planned to save; once you do, it uses what you actually put aside.

Monthly Budget Planner

Plan the month against 50/30/20, then track what each category actually took.

Everything runs inside your browser. Your files never leave your device.

Ask about Monthly Budget Planner

Questions about what this tool does, which option to pick, or what it can and cannot handle.

The question you type here is sent to an AI provider to be answered — your files and whatever you put in the tool above are not, and the assistant cannot see them. Answers are generated and can be wrong. The tool itself is not guessing: it runs deterministic code on your device.

About the Monthly Budget Planner

A monthly budget answers one question before the month starts and another after it ends. Before: does the plan spend more than comes in? After: where did it go differently from the plan? This monthly budget planner keeps both in one place.

Start with money in — salary, freelance work, rent received — and then the categories it goes to. File each category as a need, a want or a saving. That three-way split is the axis every budgeting rule is written on, and filing your own categories on it is what lets the page tell you whether the plan is a sensible one.

The comparison is with a rule of your choosing. The best known is 50/30/20 — half to needs, under a third to wants, a fifth saved — popularised by Elizabeth Warren and Amelia Warren Tyagi. In an Indian metro, rent alone can take a third of a salary, which makes 50% for needs hard to meet, so 60/20/20 is offered alongside a tighter 70/20/10. Choose none to plan without a yardstick.

The planning view shows how much income is not yet assigned to anything; a negative number means the plan already overspends. Fill in what each category actually took as the month goes on and the page switches to tracking. Categories that ran over are listed, largest overspend first. Saving more than planned is never counted as an overspend.

There is no bank login and no transaction import. Nothing about your money leaves this browser — the figures you type are the only data involved, and they are kept in the page's own address. Bookmark it once and the same link opens your budget each month.

How to use it

1Enter your income for the month.
2Add each spending category with what you plan for it, filed as a need, a want or a saving.
3Choose a rule to compare against, and adjust until nothing is left unassigned.
4Through the month, fill in what each category actually took, and watch for overspends.

Questions

What is the 50/30/20 rule?: A rule of thumb: about half of take-home pay goes to needs such as rent, food and bills, about 30% to wants, and at least 20% to savings and debt repayment. It is a starting point for judging a budget, not a law.
Is an SIP a need or a saving?: A saving. Anything that moves money to your future self — an SIP, a recurring deposit, an emergency fund, extra loan prepayment — belongs in savings, which is the figure the rule's 20% is about.
Does it connect to my bank?: No, deliberately. There is no account, no bank login and no import. You type the figures, and they live in the page's address on your device — the site keeps no copy.
What does the savings rate show?: Savings as a share of income. Before you fill in actual figures it uses what you planned to save; once you do, it uses what you actually put aside.