Budget Planner — Monthly Budget with Envelope Budgeting
Set monthly budgets for each spending category, track actual expenses, and compare budgeted vs actual spending with rollover support. All data stays in your browser — nothing is uploaded.
How to Use the Budget Planner
- Add income sources — salary, freelance, side income, etc.
- Create budget envelopes — set a budget for each spending category.
- Track actual spending — enter what you actually spent in each category.
- Enable rollover — unused budget carries forward to next month.
- Navigate months — track your budget over time.
Frequently Asked Questions
Envelope budgeting is a method where you assign a fixed amount to each spending category. When the envelope is empty, you stop spending in that category. This tool digitally implements this approach, showing you how much is left in each "envelope."
Rollover carries unused budget from one month to the next. If you budget $500 for groceries but only spend $400, with rollover enabled you'll have $600 available next month ($100 carried over + $500 new budget).
Financial experts recommend saving at least 20% of your income (the 50/30/20 rule). A higher savings rate accelerates your financial goals. This tool shows your savings rate automatically.