Monthly Budget Planner
Plan your entire monthly budget online — income, expenses by category, savings tracker. Download as a clean PDF. No Excel, no sign-up, completely free.
✨ Personalised Savings Tips
How to make a monthly budget
A monthly budget is a plan for how you'll spend your money each month. It starts with your total income and allocates amounts to every spending category — housing, food, transport, savings, and more. The goal is to ensure your expenses don't exceed your income, and that you're saving a meaningful amount each month.
Using our planner is simpler than a spreadsheet. Add your income sources, then fill in each expense category. The live summary shows your balance and savings rate instantly, and the visual bar shows exactly where your money goes.
Frequently asked questions
50% of income goes to needs (rent, food, utilities, transport), 30% to wants (dining out, shopping, entertainment), and 20% to savings and debt repayment. It's a simple, flexible guideline that works for most income levels.
Financial advisors generally recommend saving at least 20% of your monthly income. If that's not possible, start with 5–10% and increase gradually. Even saving AED 500/month invested at 7% annually grows to over AED 300,000 in 20 years.
Your budget data is saved automatically in your browser's local storage. It will be there when you come back to the page. Nothing is sent to any server — your financial data stays completely private on your device.
Yes — click the "Download PDF" button at the top. Your complete budget including all income sources, expense categories, totals, and savings summary is formatted into a clean PDF ready to save, print, or share.