Income vs expenses with visual bar.. Budget Planner is a free online tool from the ToolsRift Finance & Health Calculators collection. It runs entirely in your browser — nothing to install, no signup, and your data never leaves your device.
Enter your monthly income and each expense category. The calculator shows your surplus or deficit, savings rate and a visual breakdown of spending.
It totals your income and your expenses, then subtracts expenses from income to show whether you have a surplus to save or a deficit to fix.
Many planners suggest saving at least 20% of income, following guides like the 50/30/20 rule. The right rate depends on your goals and cost of living.
A deficit means you spend more than you earn. Cut discretionary expenses, increase income, or both, until expenses fall below your monthly income.