Finance Tools

Free Budget Planner

Plan your monthly income and expenses in one clean interface. Identify where money goes and spot overspending before it becomes a problem.

Privacy note: Karav Tools is free and no-login. Results are for practical guidance and should be reviewed before important decisions.

Income

Expenses

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How it works

Use this tool with clear assumptions

This planner works for personal budgeting, freelance income, early-stage business budgets, and simple monthly operating plans.

Export your budget as CSV when you want to keep a local record or continue working in a spreadsheet.

Formula / logic

Net balance = total income - total expenses. Savings rate = net balance / total income * 100.

Example

Enter monthly income sources and expense categories to see whether the month ends positive or negative.

Related tools

Useful next steps

Related guides

Learn the workflow

FAQ

Budget Planner FAQ

Can I save my budget?

You can download the entered rows as a CSV file and save it locally.

Is this for personal or business use?

Both. It works for personal budgets, freelancers, and simple business planning.

Can I add custom expense categories?

Yes. Every row uses free-text labels so you can add any category.