Free Budget Planner — Built From Your Real Spending
Traditional budget planners ask you to estimate what you spend. This one starts from the truth: your actual bank transactions. Upload your statement and get a complete spending breakdown in under 30 seconds — the only honest foundation for a budget.
Once you see your real numbers, the leaks become obvious. Most people find $150–$400 in subscriptions and fees they can eliminate immediately — before they even need to change any spending habits.
Build Your Budget Plan
Upload your bank statement and get your real spending breakdown — the starting point for any budget that works.
Build My Budget PlanFree · No signup · Works with any bank
What the Budget Planner Shows You
Monthly spending by category
Groceries, dining, transport, subscriptions, entertainment, fees
Hidden subscriptions and recurring charges
Every service that auto-charges your account, grouped by merchant
Month-over-month trends
Which categories are growing and which are stable
Savings opportunities
Specific subscriptions to cancel and fees to avoid
Financial health score
How your spending compares to recommended budget ratios
Goal projections
How much you'd save over 12 months by making specific cuts
How to Create Your Budget Plan
- 1Export your bank statement. Log in to your bank's website, download your last 90 days as CSV or PDF.
- 2Upload to the planner. Drop your file in the analyzer — your real spending appears in under 30 seconds.
- 3Find the easy wins first. Cancel subscriptions you don't use — these are immediate savings with no lifestyle change.
- 4Set realistic category limits. Use your real spending as the baseline, then reduce each category by 10–20% to create a budget you can stick to.
Frequently Asked Questions
What makes a good budget planner?
The best budget planners start with real data, not estimates. A bank statement-based planner is more accurate than any app that relies on manual category entry, because it captures every transaction automatically.
How do I make a monthly budget?
Upload your last 90 days of bank statements to see your average monthly spending by category. Use those real averages as your budget baseline, then set targets 10–20% below your actual spend in discretionary categories.
What should I prioritize in my budget?
Start with fixed costs (rent, utilities, insurance) — these don't change much. Then look at subscriptions and dining, which tend to have the most room for quick cuts. Finally, work toward building an emergency fund.
Is a monthly or weekly budget better?
Monthly budgets work best for most people since bills and income are monthly. Weekly tracking helps with variable spending like dining and groceries. Upload monthly statements for the big picture and track weekly for spending habits.