Budget Planner
Understand your monthly cashflow by tracking income against expenses. See where your money goes and identify opportunities to save more.
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Monthly Income
Monthly Expenses
The 50/30/20 Rule
A popular budgeting guideline suggests allocating your after-tax income as follows:
- 50% – Needs: Essential expenses like housing, utilities, transport, food, insurance
- 30% – Wants: Non-essential spending like dining out, entertainment, hobbies, subscriptions
- 20% – Savings: Money set aside for emergency funds, retirement, investments, debt repayment
Tips for Better Budgeting
- • Review your bank statements to capture all regular expenses
- • Don't forget annual costs—divide by 12 for monthly equivalent
- • Build an emergency fund covering 3-6 months of essential expenses
- • Track actual spending for a month to validate your estimates
- • Review and adjust your budget quarterly
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