Money & planning

Savings & Budget Planner

Give every pound a purpose. Plan your spending, find room to save, and see what time and compound interest could do.

Privacy first. Your data stays local.No accounts, uploads or tracking. Calculations and optional autosave stay in your browser.

01Your income

Enter take-home income after tax. Each line can use its own payment frequency.

Income sourceAmountFrequency

02Spending & savings

Keep savings allocations separate from spending by choosing the Savings category. Weekly entries use 52 weeks ÷ 12 months.

DescriptionCategoryAmountFrequency

Your plan, on your terms

A JSON backup includes both tools. You control the file and where you keep it. Clearing removes this app’s saved draft from this browser.

Unallocated each month

—

Your income, spending and planned savings in one place.

Monthly income—

Monthly spending—

Planned savings—

Your savings capacity

Income left after spending—

Planned savings rate—

Planned savings in one year—

Copies income minus spending to the compound calculator. This includes existing savings allocations; it does not add them twice.

Where your money goes

Monthly equivalent

Monthly & annual outlook

The annual outlook repeats this budget for 12 months. It assumes income and costs stay constant and does not include savings interest.

Budget entries

How the planner works

Your information stays in this browser. Autosave uses local storage on this device. This app sends no income, expenses or savings figures to a server and makes no external requests. Download a JSON backup before changing browser or device; clearing browser storage also clears an autosaved plan.

Budget conversions use 52 weeks, 26 fortnights and 12 months per year. Amounts are entered in the selected currency; changing currency changes the symbol only and does not convert exchange rates.
AER is the effective return over a year. For a nominal rate, the annual growth factor is (1 + annual rate ÷ compounding periods)^periods. Between contribution dates the model uses the equivalent fractional-period growth, so all payment frequencies can be compared consistently.
Weekly and fortnightly contributions are evenly spaced over a 52-week year. Only payments scheduled within the selected duration are included. Beginning-of-period contributions start immediately; end-of-period contributions start after one period.
Annual contribution increases apply after each full saving year. Projected interest is not rounded at every posting; banks may calculate daily, round differently or change their rates.
Figures exclude tax, fees, withdrawals and investment volatility. Rates and inflation remain constant. These are planning illustrations and are not guaranteed returns.
Goal estimates look up to 100 years ahead at your current settings. A quoted goal date is a duration from the start of this plan, not a calendar-date promise.

Reda Apps · Savings & Budget Planner v1.0.0 · Private calculations · Illustrations exclude tax and fees.