Budget Tracker
Track your budget — private and offline
Income
$0.00
Expenses
$0.00
Net
$0.00
Income vs. expenses over time
Set budget limits per category
Track where your income comes from
Export your data or restore from a backup
How It Works
A budget tracker helps you understand where your money goes by recording every income and expense. Over time, patterns emerge — and awareness alone tends to reduce unnecessary spending.
The 50/30/20 Rule
A popular starting point: allocate 50% of after-tax income to needs (housing, food, utilities), 30% to wants (entertainment, dining out, hobbies), and 20% to savings and debt repayment. Use the budget limits on each category to enforce these targets.
Envelope Budgeting
The envelope method assigns every dollar a job before the month begins. Set a monthly limit per category — once a category is spent out, you stop spending there. This tool's per-category budget limits and progress bars replicate this approach digitally.
Privacy First
All data is stored in your browser's IndexedDB — nothing is sent to any server. Use the JSON export to back up your data regularly and restore it on another device.
Related Tools
Frequently Asked Questions
What is the 50/30/20 budgeting rule?
Allocate 50% of after-tax income to needs (housing, utilities, groceries), 30% to wants (dining out, entertainment, hobbies), and 20% to savings and debt repayment. It's a popular starting framework — adjust the percentages to your situation.
What is envelope budgeting?
You divide your monthly income into virtual "envelopes" — one per spending category. Once an envelope is empty, you stop spending in that category. This tool's per-category budget limits replicate this approach. It forces trade-offs and makes overspending visible.
How do I track cash spending?
Log cash purchases as manual transactions immediately or at end of day — the longer you wait, the more you forget. Assign them to the appropriate category. Some people withdraw a set cash amount per week for discretionary spending and don't track individual purchases within that envelope.
Will my budget data be saved?
Yes — all data is stored in your browser's IndexedDB and persists across sessions. Use the JSON export button to back up your data regularly. Clearing your browser data or using a private window will erase it.