WhatIfBudget

How to Budget Your Money Each Month – Free Online Planner

Looking for the best monthly budget templates online? WhatIfBudget is a free budget tool for beginners and experts alike. Use our planner to track income and expenses, apply the 50/30/20 budget rule, and save money on groceries—all without creating an account. Try our investment simulator, DCA calculator, or visit our blog and premium tools.

Income

Income is the money you receive each month, such as salary, freelance work, or rental income. Enter all your sources to get an accurate budget overview.

Fixed Expenses

Fixed expenses are essential bills you pay monthly, like rent, utilities, insurance, or subscriptions. These costs usually stay the same each month.

Variable Expenses

Variable expenses change from month to month, such as groceries, entertainment, or shopping. Tracking these helps you control your spending.

Savings

Savings are funds you set aside for goals like an emergency fund, vacation, or retirement. Prioritizing savings helps you build financial security.

📅 Monthly Budgets

💡 How to use Monthly Trends:

  1. Select a month and fill in your budget data
  2. Click "Save Month" to store it
  3. Repeat for multiple months
  4. Click "Show Monthly Trends" to see comparisons

Previous Months:

Frequently Asked Questions

Popular Questions

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Budget Overview

💰 Total Income $0
🏠 Fixed Expenses $0
🍔 Variable Expenses $0
💸 Savings $0
🧾 Total Expenses $0
💡 Remaining $0
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🏠Fixed
🍔Variable
💸Savings
📈 Budget Used 0%
💡 Start budgeting to see your results!
🚀 With $200/month, you could have $33,600 in 10 years
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What is the 50/30/20 Budget Rule?

The 50/30/20 rule is a simple way to organize your monthly budget: spend 50% of your income on needs, 30% on wants, and 20% on savings. This method helps you balance essentials, lifestyle, and future goals.

  • 50% Needs: Rent, groceries, utilities, insurance
  • 30% Wants: Dining out, entertainment, shopping
  • 20% Savings: Emergency fund, retirement, investments

See how your budget compares to the 50/30/20 rule or read our detailed guide.

Budget Coach