How It Works
Six steps from salary input to a complete 12-month Excel budget plan. No signup, no server — everything runs in your browser.
Select Your Country
Choose between India (₹) and USA ($). The tool loads country-specific tax structures, expense categories, and investment options.
Enter Your Salary
For India, enter your monthly in-hand salary. For USA, enter your annual gross salary — the tool estimates federal, state, Social Security, and Medicare deductions automatically.
Configure Expenses & Investments
Review the pre-filled categories for fixed expenses, variable spending, and investments. Add, remove, or edit any row to match your actual budget.
Set Financial Goals
Optionally set an emergency fund target, a short-term goal (vacation, gadget), and a long-term goal (down payment, car). The tool checks if your savings rate covers them.
Calculate & Review
Click "Calculate My Budget" to see a full summary: 50/30/20 analysis, goal tracking, and annual projections — all computed instantly in your browser.
Download Your Excel Plan
Download a 4-sheet .xlsx file with Annual Summary, Monthly Detail (planned vs actual tracking), Goals Tracker, and 50/30/20 Analysis. Edit it in Excel, Google Sheets, or LibreOffice.