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Monthly budget planner with Excel download

Plan income, bills, spending and savings by category, check the 50/30/20 split and download an editable Excel budget with live formulas.

Your inputs stay in this tab. We do not receive your files, pasted text or calculation values.

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Your result

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How to use this tool

  1. Enter your values or choose a local file. Replace the example data with your own.
  2. Review options, units and assumptions, then run the tool.
  3. Check the result before copying or downloading it. Keep an original copy of important files.

Method & assumptions

Plan income, bills, spending and savings by category, check the 50/30/20 split and download an editable Excel budget with live formulas.

left to assign = income − Σ categories; needs / wants / savings vs 50 / 30 / 20

Worked example

Currency: CAD
Monthly take-home pay: 5,200
Other monthly income: 0
Rent or mortgage: 1,800
Utilities (power, heat, water): 220
Phone and internet: 130
Groceries: 650
Transportation (car, fuel, transit): 450
Insurance: 180
Minimum debt payments: 250
Childcare and education: 0
Health and medical: 60
Subscriptions and memberships: 60
Dining out and entertainment: 300
Shopping and personal: 200
Other spending: 100
Savings and investing: 600
Download as: Excel workbook (.xlsx)

→ Monthly income: CAD 5,200.00
→ Planned spending and saving: CAD 5,000.00
→ Left to assign: CAD 200.00
→ Needs (target 50%): 71.92 %
→ Wants (target 30%): 12.69 %
→ Savings (target 20%): 11.54 %

Limits & important notes

The Excel file has two sheets (Budget and 50-30-20) with SUM, SUMIF and percentage formulas, so you can keep editing it in Excel, Google Sheets, Numbers or LibreOffice. Nothing is uploaded.

Content updated:

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Are my inputs stored?

Your inputs stay in this tab. We do not receive your files, pasted text or calculation values.

Is this tool free?

Yes. No signup or payment is required.

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