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50/30/20 Budget Planner | Monthly Finance Tracker (Digital Download)

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Highlights

  • Designed by PlannerToolLab
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 ZIP

Stop guessing where your money goes — and start telling it where to go.
This complete 50/30/20 budget planner gives you a clear, live view of your spending across Needs, Wants and Savings every month. No Excel, no subscription, no internet connection required. Open it in any browser in 30 seconds.
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📦 WHAT’S INCLUDED (8 pages)
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📊 DASHBOARD
✔ 6 live KPI cards: Monthly Income, Total Spent, Monthly Surplus, Needs Spent, Wants Spent, Savings Rate
✔ Budget Allocation donut chart (50/30/20 split)
✔ Spending vs Budget bar chart — Needs, Wants and Savings at a glance
✔ Smart Alerts — auto-warnings when a bucket is over or under budget
💰 INCOME TRACKER
✔ Log all income sources: salary, freelance, dividends, side income
✔ Frequency: Monthly, Bi-weekly, Weekly, Annual or One-time
✔ Gross amount, deductions and net amount per source
💳 EXPENSES
✔ Add expenses and assign to Needs, Wants or Savings bucket
✔ Category, amount, date, notes and tags per entry
✔ Search and filter by bucket or category
🗒 TRANSACTIONS
✔ Complete chronological log of all income and expenses
✔ Filter by month, category or bucket type
🎯 SAVINGS GOALS
✔ Add goals: Emergency Fund, Vacation, House Deposit, New Car — anything
✔ Target amount, current balance, monthly contribution and target date
✔ Progress bar, % complete and projected completion date
📊 MONTHLY REPORTS
✔ 6-KPI summary for any selected month
✔ Spending by bucket donut chart and 12-month income vs expense trend
✔ Full category breakdown: budget, actual, remaining and % used
✔ Export to CSV or print
⚙️ SETTINGS
✔ Your name, currency and locale
✔ Adjust your allocation percentages (not locked to 50/30/20 — fully customisable)
✔ 6 colour themes: Default, Dark, Ocean, Rose, Sunset, Forest
✔ Custom categories for Needs, Wants and Savings
✔ Export backup / Import backup / Clear all data
📖 BUILT-IN GUIDE
✔ 50/30/20 rule explained in plain language
✔ Step-by-step feature walkthrough and FAQ
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👤 PERFECT FOR
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Anyone following the 50/30/20 rule · People who want to stop overspending on Wants · Savers building an emergency fund or house deposit · Couples managing household finances · Freelancers with variable income · Anyone who wants to know their monthly surplus
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💻 HOW IT WORKS
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1. Purchase and download instantly
2. Unzip and open index.html in Chrome, Firefox, Safari or Edge
3. Follow the guided setup — enter your income and set your allocation percentages
4. Start logging income and expenses — dashboard updates automatically
No Excel needed · No Google account · No subscription · Works on Mac, Windows, iPad and mobile · Your data stays on your own device
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📥 YOUR DOWNLOAD
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Reviews for this item

5.0

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience.

(2 reviews)

5.0 Item quality
5.0 Shipping
5.0 Customer service
100% Buyers recommend
5 out of 5 stars 5 This item

NICK Aug 3, 2026

Excellent customer service and good application

NICK Aug 3, 2026

Response from Planner Tool Lab

Thank you so much for your wonderful 5-star review! ⭐⭐⭐⭐⭐ I’m really glad to hear you’re happy with the application and the customer service. Your feedback means a lot, especially as a small shop, and it’s greatly appreciated. If you ever have any questions, need assistance, or have ideas for future updates or features, please don’t hesitate to send me a message. I’ll always be happy to help. Thanks again for your support, and I hope the app continues to help your business!

5 out of 5 stars 5 This item

Mark Jun 5, 2026

Absolutely love this planner! I was skeptical about it being an HTML file but it works perfectly in my browser. No Excel needed, no subscriptions, just open and go. The dashboard is beautiful and the charts update automatically. Best purchase I have made for my small shop!

Mark Jun 5, 2026

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Listed on Jul 20, 2026
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