Can I update the plan each month as actuals come in?

Yes — reopen the plan, update the figures, and re-export. If you have a free account, draft plans are saved between sessions.

Is my financial data secure?

All data is processed locally in your browser and never sent to our servers. Without an account, closing the tab clears everything.

Can I submit this plan to a bank or lender?

This tool produces a personal planning document, not a formal financial statement. For credit applications, request official documentation from a qualified accountant.

What if my income is unpredictable month to month?

Enter a conservative baseline and use the one-off expense fields for months you expect extra income or costs. We recommend building two versions — cautious and optimistic.

Which apps can open the CSV export?

The CSV file opens directly in Microsoft Excel, Google Sheets, and LibreOffice Calc without any conversion needed.

Does this tool replace a financial adviser?

No. The planner is for personal organisation only. For investment, mortgage, or retirement planning, please consult a certified financial professional.

Personal budget planner — Free Online

⚠️

This tool only performs calculations — it is not investment or financial advice. Rates and tax amounts change over time, so verify with an official source (your bank, accountant, or a licensed financial advisor) before acting on them.

Monthly Income

Primary Income (₺)

Additional Income (₺)

Total Income

₺40.000

Total Expenses

₺33.998

Net Balance

₺6.002

Spending Rate: %85,0Savings Rate: %15,0

Needs (%79)

Wants (%1)

Save (%5)

Category Breakdown

🏠Housing/Rent

%51₺20.500

🍔Food/Groceries

%21₺8.598

💰Savings

%5₺2.000

🚗Transportation

%4₺1.500

💊Health

%3₺1.000

🎬Entertainment

%1₺400

Expense Items

🏠RentMo₺18.000₺18.000/ay

🏠Electricity/Water/GasMo₺2.500₺2.500/ay

🍔GroceriesMo₺6.000₺6.000/ay

🍔Dining OutWk₺600₺2.598/ay

🚗Public TransitMo₺1.500₺1.500/ay

💊Medicine/DoctorMo₺1.000₺1.000/ay

🎬Netflix/SpotifyMo₺400₺400/ay

💰Retirement FundMo₺2.000₺2.000/ay

Add Expense

📖 How to Use

Upload document

Drag-drop or pick file.

Set options

Choose operation and parameters.

Process

Server runs the task.

Download

Get result in your format.

💰 This tool is not financial advice — it is only a calculation aid. For investment decisions, consult a licensed investment advisor. Past performance does not guarantee future returns.

Personal Budget Planner

📖 How to Use