🧾 Money & Paperwork

Budget Planner — Free AI Monthly Budget Helper

Type your income and spending in your own words and get a simple monthly budget, where to cut back and a realistic savings plan.

Budget planner — free, fast and private

No spreadsheets needed. Type your income and spending in your own words and this free budget planner adds it up, shows where your money goes compared with the 50/30/20 rule, suggests realistic savings and builds a plan for your goal.

How to use it

  1. Type your monthly income.
  2. List your spending the way you would say it — one item per line.
  3. Read your budget, savings ideas and plan, and copy it to keep.

Frequently asked questions

What is the 50/30/20 rule?

A simple guide: about 50% of income on needs, 30% on wants and 20% on savings and debt repayment. Adjust it to your situation.

Are the numbers exact?

The planner adds up what you enter — check the totals against your own records.

Is it free?

Yes — completely free with no sign-up. Toolzees is supported by advertising.

What happens to what I type?

Your details are sent securely to our AI provider to write your result and come straight back to you. Toolzees does not store them.