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.