A monthly budget planner that turns a pile of numbers into a clear picture of your money in seconds. Add every source of income and every recurring expense, and the planner instantly shows your total income, total expenses, how much is left over each month, and your savings rate — the single number that best predicts long-term financial health. A live doughnut chart breaks down exactly where your money goes, so the biggest leaks are obvious at a glance. It’s built for anyone doing a monthly money check-in: people paying down debt, building an emergency fund, saving for a deposit, or just trying to stop the end of the month from being a mystery.
How it works
You work with two lists — income and expenses — and add as many categories to each as you need. Every amount is a monthly figure. As you type, four headline numbers update in real time:
- Monthly income — the sum of everything you earn.
- Monthly expenses — the sum of everything you spend.
- Left over / Shortfall — income minus expenses. If it goes negative the planner warns you in red and tells you exactly how much you’re over by.
- Savings rate — the share of your income you keep. The bar stays green at 20% or above and turns amber below it.
Alongside the lists, a spending breakdown chart (powered by Chart.js) shows each expense category as a slice sized by how much of your spending it eats. Hover any slice for its exact amount and percentage. Because rent, groceries and subscriptions are usually the three biggest slices, the chart makes it instantly clear where a cut would actually move the needle versus where you’re already lean.
Everything happens in your browser. Your budget is saved to local storage on your device, so you can close the tab and pick up later without re-typing a thing — and nothing is ever uploaded. When you want a copy for your records or a spreadsheet, one click exports the whole budget, including the summary totals, as a CSV file.
Example
Say you take home £3,150 a month: a £2,800 salary plus £350 of freelance work. Your expenses come to £2,225 — £1,100 rent, £420 groceries, £180 utilities, £160 transport, £65 subscriptions and £300 into savings.
- Money left over: £925 a month
- Savings rate: £925 ÷ £3,150 ≈ 29% — comfortably above the 20% benchmark
The chart immediately shows rent is just under half your spending and groceries the next biggest slice. Trimming the £65 of subscriptions barely changes the picture, whereas renegotiating rent or a cheaper grocery shop is where real savings live. Flip a category to see the effect: drop your savings transfer and your savings rate falls, add a £400 car payment and the Left over figure turns into a shortfall warning.
| Income | Expenses | Left over | Savings rate |
|---|---|---|---|
| £3,150 | £2,225 | £925 | 29% |
| £3,150 | £2,835 | £315 | 10% |
| £2,600 | £2,700 | −£100 | shortfall |
Every figure is calculated and stored in your browser — no numbers are uploaded.