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About this tool
Plan monthly income, expenses, savings, and category-wise spending with a visual budget breakdown.
The Monthly Budget Planner adds up four income streams — salary, freelance, investment and other — against your expense categories, then reports what is left as a savings rate (savings ÷ total income × 100) and splits your spending into needs and wants as a share of income. Each category is charted by its percentage of total expenses, so the one quietly eating the month is obvious at a glance. It is built for someone sitting down with a payslip and a bank statement who wants a single page showing whether the month actually balances and how far the plan is from a savings target.
Open Monthly Budget Planner on AltFTool — it loads instantly in your browser.
Enter Salary, Freelance / Side Income, Investment Income and Other Income under Income Sources, then set Target Monthly Savings.
Adjust the eight default Expense Categories — Rent / Home, Food & Groceries, EMI / Debt and the rest — or type a name in New category and press Add Category.
Read the Monthly Savings card with its savings rate, the Goal Gap card and the Daily Spend Limit figure, then use Copy Summary or Export CSV to download monthly-budget-planner.csv.
Every category is tagged, so the plan reports needs and wants as separate shares of income instead of a single undifferentiated expense total.
The plan converts what is left after your savings goal into a per-day spending limit over a 30-day month, which is the number you can actually act on.
Add your own expense lines beyond the eight defaults, and every share, chart slice and status band recalculates immediately.
This planner treats 20 percent of income as on track and 30 percent or more as excellent; between 10 and 20 percent it flags the budget for review, and below 10 percent it warns that the buffer is thin. The 20 percent mark comes from the 50/30/20 guideline — roughly half of income to needs, 30 percent to wants and 20 percent to savings.
Savings are total income minus total expenses, and the rate is that figure divided by total income, expressed as a percentage. If expenses exceed income the balance goes negative and the plan is marked Over Budget regardless of the rate.
It is what you can spend per day while still hitting your savings goal, calculated over a 30-day month. When your savings already cover the goal it is (total income − savings goal) ÷ 30; when they fall short it drops to your actual savings ÷ 30, so the limit tightens automatically.
Yes — export the whole plan as a CSV with every income source, every expense category, its rupee amount and its share of total expenses, or copy a plain-text summary with the totals, savings rate, goal gap and largest expense. Nothing is stored on a server, so the export is the copy you keep.
Add the Monthly Budget Planner widget to your blog or website — free, responsive, no signup. Just keep the “Widget by AltFTool” credit link visible.
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