Free Budget Planner Calculator 2026

Create, Track & Optimize Your Monthly Budget

Create Your Budget

Monthly Income ($):

Quick Start: Load Preset Budgets

🎓 Student

$1,500/mo

💼 Entry Level

$3,000/mo

👔 Professional

$5,000/mo

🏠 Needs (50%)

Housing/Rent

Utilities

Groceries

Transportation

Total Needs

$0

0% Target: 50%

🎬 Wants (30%)

Entertainment

Dining Out

Subscriptions

Shopping

Total Wants

$0

0% Target: 30%

💰 Savings (20%)

Emergency Fund

Retirement

Debt Payment

Investments

Total Savings

$0

0% Target: 20%

Total Spent

$0

Remaining

$0

Balance

$0

Savings Rate

0%

Budget Summary & Smart Insights

Budget vs. 50/30/20 Rule

Category	Actual	Target	Status

💡 Smart Insights