Zehum
Free tool

Free Monthly Budget Planner

Track income against expenses with a clear visual breakdown of where money goes.

Monthly expenses
Monthly surplus
$550
Savings rate
15.7%

Total expenses $2,950 of $3,500 income.

Your numbers stay in your browser

See where your money actually goes

Most people underestimate their spending in two or three categories and overestimate how much they save. This planner makes the truth visible: enter your income, list your expenses, and watch the breakdown chart and savings rate update in real time. The gap between what you earn and what you spend is the single most important number in personal finance.

How to use the planner

Start with your monthly take-home income. Then adjust the default expense categories or add your own — rent, groceries, transport, subscriptions, whatever fits your life. Your surplus and savings rate appear instantly, and the pie chart shows the proportion each category claims.

Turn the surplus into a plan

A positive surplus is money waiting for a job. Send it to an emergency fund, extra debt payments, or long-term investing. If you're running a shortfall, the chart shows you the biggest categories to attack first — usually housing, food, and discretionary spending. Pair this with our emergency fund and debt payoff calculators to put every spare dollar to work.

Frequently asked questions

What is a monthly budget planner?

It's a simple tool that compares your take-home income against your expenses so you can see your surplus (or shortfall) and exactly where your money goes each month. The chart breaks spending into categories at a glance.

What's a good savings rate?

A common benchmark is saving 20% of take-home pay, as in the 50/30/20 rule (50% needs, 30% wants, 20% savings). Even 10% is a solid start — the key is to make it consistent and automatic.

Should I use net or gross income?

Use your take-home (net) pay — the amount that actually lands in your account after tax and deductions. Budgeting against gross income overstates what you can spend.

How often should I update my budget?

Review it monthly and whenever your income or fixed costs change. Real spending always drifts from the plan, so a quick monthly check keeps the budget honest.

Is my financial data private?

Completely. Everything is calculated in your browser and nothing is uploaded or saved. Close the tab and the numbers are gone.

Related tools

Emergency Fund CalculatorFind out how many months of expenses you should keep based on your situation.Net Worth CalculatorAdd up your assets and liabilities to get a clear snapshot of your net worth.