Build a simple monthly budget
Enter your income and monthly spending to see what is left, how your money is split, and which next step may be worth reviewing.
Monthly budget planner
Use monthly amounts. Estimates update automatically as you type.
Income
Use take-home income after tax and payroll deductions.
Needs
Required expenses that protect housing, food, work, health, and basic stability.
Examples: medicine, childcare, required fees, basic phone service.
Savings and wants
Include planned savings, flexible spending, and future expenses you can see coming.
How to use this budget planner
Start with real take-home income, then enter your monthly required expenses, savings, and flexible spending. If the budget is negative, review flexible spending, upcoming bills, or income before relying on new debt.
Enter monthly income and spending. Use estimates if you are not sure yet.
Look at money left over and the needs, wants, and savings percentages.
Use the result to review savings, debt payoff, or the full money plan tool.
Keep learning
Use the monthly budget template guide if you want a written explanation, compare methods with the 50/30/20 budget rule, or review categories with needs vs wants in a budget.
If your budget shows extra money, the money plan tool can help you compare starter savings, debt payoff, investing basics, and account choices.
Frequently asked questions
What should a monthly budget include?
A monthly budget should include take-home income, housing, utilities, groceries, transportation, insurance, debt minimums, savings, flexible spending, and upcoming irregular expenses.
Is this budget planner free?
Yes. The budget planner is free educational information and works in the browser without a sign-up.
Can I download my budget?
Yes. Use the Download CSV button to save a simple spreadsheet-friendly version of your inputs and results.