About This Tool

Salary Budget Planner is a free, open tool built for salaried professionals in the United States and India. It generates a complete 12-month Excel budget plan from your salary details — no signup, no account, no data collection.

Why We Built This

Most budget tools are either too generic (they don't understand salary structures like CTC vs in-hand, or 401k vs PPF) or too complex (requiring accounts, subscriptions, and bank connections). We wanted something that a salaried professional could use in 3 minutes to get a real, editable Excel plan for the entire year.

Privacy First

Every calculation runs entirely in your browser using JavaScript. Your salary, expenses, and financial goals are never sent to any server. There are no cookies, no analytics trackers, no user accounts. When you close the tab, your data is gone — unless you downloaded the Excel file.

What You Get

• Country-specific defaults for India (₹) and USA ($)
• Automatic tax estimation for USA (federal, state, SS, Medicare)
• 50/30/20 budget rule analysis
• Financial goals tracker (emergency fund, short-term, long-term)
• A 4-sheet Excel file: Annual Summary, Monthly Detail, Goals Tracker, 50/30/20 Analysis

Open & Free

This tool is free to use with no limits. Download as many budget plans as you need. Share the link with friends and colleagues. There is no premium tier and there never will be.