Household Budget Planner

Über dieses Tool

A monthly budget works when the plan and what actually happens sit side by side. This planner keeps both: you set a planned amount for each category - income, bills, everyday spending, savings and debt payments - then record transactions as they happen. Actual figures always come from those transactions, so the plan, the ledger and the reports can never disagree. Recurring bills generate their own due dates, savings goals track what is set aside, and debts show a tracked balance with an optional payoff estimate. Everything is saved in your browser on this device - there is no account and nothing is sent to a server.

So verwendest du dieses Tool

1. Set up the monthChoose a currency, the first month and your opening spendable balance - the money you can spend from, not money already in savings. Pick a template such as Couple or Family for a starting set of categories.
2. Plan each categoryEnter planned amounts on the Budget tab. The unallocated figure shows how much planned income has not been given a job yet; zero means a zero-based budget.
3. Add recurring billsAdd rent, energy, phone and subscriptions once with their schedule. Each due date appears on the Bills tab with its status.
4. Record what happensAdd income, spending, savings and debt payments as positive amounts - the type sets the direction. Pay a bill from the Bills tab to link the payment to it, or import a bank CSV.
5. Review and roll forwardCheck planned vs actual, the forecast and the reports, then copy the plan into next month. Only categories and planned amounts are copied, never transactions.