Budget Planner

Plan each month with four budgeting methods, goals, debt payoff and bank CSV import. Private and free.

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Disclaimer: A planning aid, not financial advice. Guidelines such as 50/30/20 are rules of thumb that may not fit your situation. Data stays in this browser.

Build monthly budgets with recurring items that roll forward on their own, then see your numbers through 50/30/20, zero-based, envelope and pay-yourself-first plans side by side. Plain-language insights show the figures they used and where each guideline comes from. Plan goals and an emergency fund with dates, simulate snowball against avalanche debt payoff, try what-ifs without touching your budget, and read a bank CSV on your device with categories that learn from your corrections.

Runs where you work

desktopmobileoffline

Built for a private workflow: local-first execution, no forced cloud dependency, and a clear path to use it on a laptop or phone without an API key.

Included value

Month switcher with recurring items that roll into next monthFour budgeting methods compared on your own numbersInsights with the numbers and the benchmark behind each oneGoals, sinking funds and an emergency-fund target with projected datesDebt payoff simulator with an extra-payment slider and chartWhat-if sliders that never change the real budgetBank CSV import with a review table and categories that learn locallyCSV and JSON export plus a printable monthly summary

Each product is designed to feel personal, useful, and complete without turning your work into an external dependency.

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Preview

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This product is a live, in-browser experience — not a file to preview.

Free to play right now, in this browser, no download or account required.

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What's included

Live tool at /play/budget-planner (free, unlimited use, no account)
Commercial license: white-label/embed this tool on your own site

Built with

TypeScriptReact

Runs in your browser: nothing to install

Engine in src/lib/budget-planner, verified by scripts/test-budget-planner.ts (over 6,700 checks, including exact-cent maths, CSV round trips and legacy migration).

License & pricing

Try it before you buy. This tool is free to use on the site: open it.

Free to Use

Free

For your own work or your own business. No client work, and no resale or redistribution of the files.

Embed / White-Label License

$45

Use across client work or resell the output. No reselling the source files/template itself.

What these licenses mean →

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Refund terms are set per product, and checkout through Whop or Gumroad has its own buyer protection. Questions before you buy? Ask in the chat or on the feedback page; we'll help where we can.

SaaS Tools — publishing standard

Required deliverables: Source code or hosted access, README, Setup guide, Run proof
README required
Proof-it-runs evidence required
Personal vs. commercial license tiers offered

State real feature scope and limits; no vaporware claims.