Who it is for
Anyone running a household budget: parents, couples, roommates, or somebody doing this on their own for the first time.
Home and Family · Planner · Free
Where the money actually goes each monthHousehold Budget Planner
Put in what comes home and what goes out, and see what is left, what each category is really costing you as a share of your pay, and where the pressure is.
Runs in your browser. Nothing to install. Save the result or embed it on your site.
Your plan inputs
What actually lands in the account, after tax.
Your plan
Left at the end of the month: $280
$280
Left at the end of the month
6.7% of take-home pay
After everything you listed, $280 is left each month, or $3,360 a year. Housing is taking 33% of your take-home pay.
$3,920
Total going out
33%
Housing share
inside the usual range
$3,360
Left over per year
75% / 11% / 14%
Needs, wants, saving
the 50, 30, 20 comparison
Share of take-home pay.
Housing$1,400 (33%)
Utilities$380 (9%)
Food$750 (18%)
Transport$640 (15%)
Debt payments$300 (7%)
Everything else$450 (11%)
Left over$280
You have $280 a month of room. Give it a job before it disappears, or it becomes spending you cannot account for.
Everything here stays in your browser. Print it or download the CSV to keep it.
What this assumed
- Every figure is treated as a normal month. Annual bills like insurance or property tax need dividing by twelve first.
- The 50, 30, 20 comparison is a rule of thumb, not a standard.
Runs entirely in your browser. Nothing you type is transmitted, stored, logged or placed in a link. Close the tab and it is gone.
Not financial advice
This is an illustration, not personalized financial advice. It does not account for your full financial picture, and nobody here is your financial advisor. Talk to a licensed professional before acting on a number from a free calculator.
You ran this on August 21, 2026. Rates and rules change, so check the date before you rely on a saved copy.
What this tool actually does for you
The problem it points at
Money comes in and money goes out and the account is empty before the next payday, but nobody has ever written the whole thing down in one place.
What you walk away with
One page showing every category, what share of your take-home it eats, and the number left at the end of the month.
How to use it
Set the goal, adjust the numbers, and work the plan week by week.
- Enter what actually lands in the account each month, after tax.
- Fill in each category from your last two or three statements, not from memory.
- Look at the share column. Housing above about a third is where most budgets break.
- Print it or download it and put it somewhere both of you can see it.
Questions people ask
Is my information saved anywhere?
No. This runs entirely in your browser. Nothing you type is sent to a server, stored, or put in a link. Close the tab and it is gone.
What is the 50, 30, 20 guideline?
A common rule of thumb: roughly half of take-home on needs, a third on wants, and the rest on saving and paying down debt. It is a starting point for a conversation, not a rule, and it does not survive a high cost-of-living area intact.
Should I use gross pay or take-home?
Take-home. Budgeting off gross pay is the single most common way people end up short every month.
Put this tool on your own website
Free forever. I host it. You keep it.
This is a real lead magnet you can run on your own site tonight. Somebody lands on your page, plays with the numbers, sees what their problem costs, and now they are on your website instead of a competitor's. Costs you nothing, and I keep it working.
- Scroll up and press Put this tool on my website. The code appears right there, no form.
- Copy the one line you get.
- In your website editor, add an Embed, HTML or Custom Code block on whatever page you want it on.
- Paste it in, save, publish.
- Check it on your phone, then send people to that page.
Works on
WordPress, Wix, Squarespace, Shopify, GoDaddy, Webflow, Duda, HubSpot, ClickFunnels, or plain HTML. Anywhere that takes an embed code.
What it costs you
Nothing. No monthly fee, no expiring trial, no watermark you have to pay to remove. If you get stuck putting it in, text me at (903) 500-8898 and I will help you place it.
While you are here
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Now imagine the whole website doing real work.
Map the pages, lead capture, follow-up, and reporting that should sit behind your offer. The result is a recommendation, not a guaranteed outcome.