A budget planner is a tool that divides your monthly income across spending categories so every dollar has a job — and shows whether your actual spending stays inside the plan. This free online budget planner starts with your monthly take-home income, then lets you set a planned amount for each category (Housing, Food, Transport, Utilities, Savings, Other — all renamable) and log what you actually spend. Color-coded progress bars turn green when you’re under budget, amber as you approach the limit, and red when you overspend, while summary cards track total income, total planned, total actual, remaining money and your savings rate. It’s ideal for anyone building their first budget, couples managing household money, or freelancers with variable income. No sign-up needed — everything is stored privately in your browser.