Free online Budget Template Builder — customize income and expense categories, auto-generate monthly budget with 50/30/20 rule monitoring. Export to CSV and print. | No sign-up · Data never leaves your device
Zero dependencies · Works offlineRent/mortgage, utilities, groceries, transportation, healthcare
Entertainment, shopping, dining out, travel, subscriptions
Emergency fund, investments, debt repayment, insurance
| Category | Percentage | Description | Examples |
|---|---|---|---|
| 🔴 Needs | 50% | Essential fixed expenses | Rent, utilities, groceries, transport, insurance |
| 🟡 Wants | 30% | Quality-of-life spending | Entertainment, shopping, travel, dining out |
| 🟢 Savings | 20% | Future financial security | Emergency fund, investments, debt, insurance |
1. Enter your monthly after-tax income and any other income.
2. Fill in budget amounts for each category. Add or remove items as needed.
3. Click "Refresh Analysis" to see your 50/30/20 rule compliance and remaining balance.
4. Export to CSV for Excel or Google Sheets, or print as PDF.
5. Data is saved in your browser's local storage — it persists between visits.
Not necessarily. This is a general guideline by Elizabeth Warren. High-rent cities may require 60%+ on needs, high earners may save 30%+. The key is finding a balance that works for you.
All data is stored only in your browser's local storage (localStorage). Nothing is uploaded to any server. Data persists when you close the page but is lost if you clear browser data. Export CSV to back up.
Track your actual spending for 1-2 months first, then create a budget. Use the 50/30/20 rule as a starting point and adjust based on your real spending patterns.