50/30/20 Budget Planner App: Bill Tracker, Debt Payoff and Savings

💰 BudgetRule – 50/30/20 Budget Planner App

Take control of your money with BudgetRule, an interactive 50/30/20 budget planner app for tracking income, expenses, bills, savings, debt payoff and net worth—all in one place. This instant-download HTML app works offline with no Excel, Google Sheets, account or subscription required.

IMPORTANT – DEVICE COMPATIBILITY
Best experience: laptop or desktop using Chrome, Edge, Safari or Firefox.
The layout is responsive on phones and tablets, but iPhone/iPad users may need an HTML Viewer app because Apple’s file preview may not open interactive HTML files correctly.

Please note: BudgetRule does not automatically sync data between devices. Your information is stored locally on the device/browser you use. To move your data, download a backup and restore it on the other device.

✨ NOT Excel • NOT Google Sheets
BudgetRule is a downloadable HTML web app that runs locally on your device.

✓ No subscription
✓ No account or login
✓ Auto Save
✓ Works offline
✓ Private by design
✓ Instant digital download

📊 EVERYTHING YOU NEED IN ONE APP

BudgetRule combines your essential personal finance tools into one easy-to-use dashboard:

💚 50/30/20 Budget Planner
Automatically organise your budget around Needs, Wants and Savings, or create your own custom percentages.

📅 12-Month Budget Tracker
Track monthly income, expenses and savings and compare your budget with your actual spending.

💳 Transaction Tracker
Add, edit, search and categorise transactions into Needs, Wants and Savings.

📝 Monthly Money Review
See your income, spending, savings rate, remaining money and personalised insights for each month.

❄️ Debt Payoff Calculator
Compare Debt Snowball vs Debt Avalanche, add extra monthly payments and estimate your payoff timeline and interest.

🗓 Bill Calendar
Organise recurring and one-off bills and monitor upcoming, paid and overdue payments.

💎 Net Worth Tracker
Add assets and liabilities and save real monthly snapshots to track how your net worth changes over time.

🪣 Sinking Funds & Savings Goals
Create savings goals, set target dates, record contributions and monitor your progress.

🏦 Accounts Dashboard
Keep an overview of bank accounts, savings, investments, credit cards and other financial accounts.

📈 Annual Report
Review your yearly income, spending, Needs/Wants/Savings breakdown and savings rate with clear charts and reports.

💾 AUTO SAVE + BACKUP

Your changes are automatically saved locally while you use BudgetRule.

You can also:

✓ Download a full backup
✓ Restore a previous backup
✓ Export transactions to CSV
✓ Import transactions from CSV
✓ Print/save your annual report

We recommend creating regular backups of important financial information.

🔒 PRIVATE BY DESIGN

BudgetRule does not require a cloud account or bank connection.

Your budgeting information is stored locally on your device rather than being sent to a PlannerToolLab server.

No account • No subscription • No bank connection

🎨 PERSONALISE YOUR PLANNER

Choose from 6 themes:

🌿 Forest • 🌊 Ocean • 🌹 Rose • 🩶 Slate • 🌅 Sunset • 🌱 Mint

Multiple currencies are also supported, including GBP, USD, EUR, CAD, AUD, AED, SAR, EGP, JPY and INR.

📱 DEVICE COMPATIBILITY

BudgetRule has responsive layouts designed for laptop, desktop, tablet and mobile screens.

💡 For the best experience, we recommend using a laptop or desktop, especially when managing large numbers of transactions or viewing detailed reports.

🍎 IMPORTANT – iPHONE & iPAD

iPhone and iPad may sometimes preview downloaded HTML files rather than running them as fully interactive web apps.

For iOS/iPadOS, save the file to Files and open it using a compatible HTML viewer that supports JavaScript and localStorage, such as HTML Viewer Q or another suitable HTML viewer.

We recommend testing Auto Save with a sample entry before entering important financial information.

📦 WHAT YOU RECEIVE

Your instant digital download includes:

✓ BudgetRule 50/30/20 Budget Planner App (.HTML)
✓ Full PDF User Guide with screenshots and instructions

The built-in Quick Start Guide also helps you get your budget set up quickly.

HOW TO DOWNLOAD AND OPEN

Sign in to Etsy using a web browser—not the Etsy app.
Open Your Account → Purchases and Reviews → Download Files.
Download and unzip the supplied folder.
Open the BudgetRule HTML file in Chrome, Edge, Firefox or Safari.

Etsy digital purchases cannot currently be downloaded through the Etsy mobile app.

🚀 GET STARTED

Download → Open BudgetRule → Choose your currency → Enter your income → Start budgeting.

No spreadsheet formulas to configure and no monthly subscription.

⚠️ PLEASE NOTE

DIGITAL DOWNLOAD ONLY — no physical product will be shipped.

BudgetRule is a personal budgeting and financial organisation tool for planning and educational purposes. It does not provide financial, investment, tax, accounting or legal advice.

Because information is stored locally, clearing application/browser storage may remove saved data. Please use the included backup feature regularly.

PERSONAL-USE LICENCE
This purchase is for one customer’s personal use only. The app and user guide may not be resold, redistributed, shared, copied for others or modified for resale.

⸻

💚 Budget. Track. Save. Pay Off Debt.

One powerful budgeting app to help organise your financial life.

Plan Smarter. Spend Better. Save More.
PlannerToolLab