Financial Tools
Budget Planner
Take control of your money with a clear monthly budget and savings plan.
Build a monthly budget
Your budget details
Monthly Income
Total Income: R 35 000
Monthly Expenses
Add, edit, or remove expense items
Total Expenses: R 22 300
Savings Goals
Set targets and monthly contributions
Total Monthly Savings: R 2 500
Your budget results
Monthly Balance
R 10 200
Needs Work
Income
R 35 000
Expenses
R 22 300
Savings
R 2 500
Spending Breakdown
Housing36%
Transport25%
Food18%
Insurance9%
Utilities7%
Entertainment6%
50/30/20 Rule Analysis
Needs ≤50% · Wants ≤30% · Savings ≥20%
Needs60% / 50%
Housing, transport, food, utilities, insurance
Wants4% / 30%
Entertainment, shopping, subscriptions
Savings7% / 20%
Emergency fund, goals, investments
Expense Breakdown
Housing
R 8 000 (23%)Transport
R 5 500 (16%)Food
R 4 000 (11%)Insurance
R 2 000 (6%)Utilities
R 1 500 (4%)Entertainment
R 1 300 (4%)Savings Goal Timeline
Emergency Fund34 months (2.8 yrs)
R 1 500/month → R 50 000 target
Holiday20 months (1.7 yrs)
R 1 000/month → R 20 000 target
Assumptions and limits
Budgeting model: Follows the 50/30/20 rule — allocate 50% to needs, 30% to wants, and 20% to savings. Categories are automatically classified for the analysis.
Disclaimer: For planning only. This is not personal financial advice.
- Build a complete monthly budget in minutes
- Set savings goals and track your progress
- See exactly where your money goes each month
- Follow the 50/30/20 budgeting guideline