How to Budget Your Money in Minutes with WhatIfBudget

WhatIfBudget is a free, mobile-first budgeting tool that helps you track your income, categorize expenses, and visualize your savings potential over 12 months. No account required—get started in under 2 minutes.

How WhatIfBudget Works

Step 1: Enter your income streams (salary, freelance, rentals).
Step 2: Add fixed, variable & irregular expenses with optional frequency.
Step 3: Watch real-time charts: a donut breakdown and savings forecast.
Step 4: Click “Calculate” to see personalized advice and export options.

Frequently Asked Questions

Do I need to create an account?

No — WhatIfBudget works entirely in your browser. Your data stays local unless you export.

Can I save my budget?

Yes — use the “Export CSV” button in the tool or bookmark your custom URL with encoded parameters.