Is this planner financial advice?

No. The StickMoney budget planner is for general education. It organizes numbers you enter and is not personalized financial advice.

Budget Planner

Q: What is a savings rate?

Your savings rate is the share of income you don't spend: (income minus expenses) divided by income, times 100. A 20% rate means you keep $20 of every $100 earned.

Understand your monthly income, spending, and savings — and see exactly where every dollar goes.

Your budget

Everything runs in your browser. Nothing is sent anywhere.

Monthly take-home income

Pay after tax, received each month.

Additional monthly income (optional)

Side income, benefits, or other regular income. Leave empty for none.

Currency

Monthly expenses

Empty amounts count as zero. Labels must be unique.

Category name
Amount for Housing
Category name
Amount for Utilities
Category name
Amount for Groceries
Category name
Amount for Transportation
Category name
Amount for Healthcare
Category name
Amount for Debt payments
Category name
Amount for Subscriptions
Category name
Amount for Entertainment
Category name
Amount for Other

Monthly savings target (optional)

A target allocation within what's left — it is not subtracted twice.

Your summary

Money remaining: $1,770; $4,000 in · $2,230 out
Savings rate: 44.3%; Share of income unspent.
Planned savings: $400; $1,370 left after allocating it.

A planning snapshot, not a prediction. Educational estimate, not financial advice.

Income allocation

Expense breakdown

Each category with its share of total expenses.
Category	Amount	Share
Housing	$1,200	53.8%
Utilities	$150	6.7%
Groceries	$400	17.9%
Transportation	$200	9.0%
Healthcare	$100	4.5%
Debt payments	$0	0.0%
Subscriptions	$30	1.3%
Entertainment	$100	4.5%
Other	$50	2.2%

How it works

Enter what comes in each month and what goes out, by category. The planner totals both sides and shows what's left:

Total income = take-home income + additional income
Total expenses = sum of expense categories
Remaining = total income − total expenses
Savings rate = remaining / total income × 100

An optional savings target is treated as an allocation within what's left — shown separately and subtracted once, never twice.

A worked example

$4,000 take-home plus $300 extra income, with $2,300 of expenses: total income $4,300, $2,000 remaining, and a savings rate of 46.5%. A $500 savings target leaves $1,500 after allocating it. Generated by the same engine as the live planner above.

Limits

A monthly snapshot — it doesn't track change over time or predict anything.
With zero income, no savings rate can be calculated.
Not personalized financial advice.

Frequently asked questions

What is a savings rate?

The share of income you don't spend: (income − expenses) / income × 100. A 20% rate means $20 kept of every $100 earned. It's the single number that best predicts long-term progress — more than any investment return.

Is the savings target subtracted from what's left?

Yes — exactly once. The target is an allocation inside your remaining balance: remaining after savings = remaining − target (floored at zero). Your headline 'money remaining' is always income minus expenses, untouched by the target.

What if I spend more than I earn?

The planner shows the gap plainly as a shortfall. That's the starting point, not a failure: pick the largest categories in the breakdown and decide what changes, one line at a time.

Do you store my budget?

No. Everything runs in your browser and disappears when you leave the page. There are no accounts, no saving, and no cloud sync.