Household Budget Planner

About this tool

List every source of income and every bill or regular cost at the frequency you really pay it: weekly, every two weeks, monthly, every three months or yearly. The planner turns them all into monthly amounts and shows what is left and where the money goes. Your list stays in this browser.

How it works

• Each line is turned into a monthly amount. Weekly amounts are multiplied by 52 and divided by 12, every-two-weeks amounts by 26 and divided by 12, every-three-months amounts are divided by 3 and yearly amounts by 12.
• Left over each month is monthly income minus monthly spending. Spending per year is monthly spending times 12.
• Share of income left over is the amount left divided by income, times 100.
• Spending by category adds up the monthly amounts in each category and shows each one as a share of all spending, largest first. A note appears if you spend more than you earn.

This tool gives general figures, not financial, tax or legal advice. Real offers include fees and rules that are not modelled here.

Common questions

Should I enter my pay before or after tax?

Enter what actually reaches your account, usually after tax and other deductions. The planner does not work out any tax, so a before-tax figure would make the amount left over look bigger than it is.

Why are weekly costs not just multiplied by four?

A month is a little longer than four weeks. Multiplying by 52 and dividing by 12 spreads a full year of weeks over 12 months, so a weekly cost of 90 becomes 390 per month, not 360.

Is my budget saved anywhere?

Only in this browser on this device, while the save box is ticked. Nothing is sent to our server. Use Export CSV to keep a copy, or untick the box on a shared computer.