Monthly budget planner
Before tracking a month, it helps to know whether it closes on paper. Put in your income, what is fixed, what varies and how much you want to save, and see what is left — or what is missing.
Everything coming in, after tax.
Rent or mortgage, insurance, subscriptions, season tickets.
Groceries, eating out, leisure — the average you expect.
What you want to set aside before spending the rest.
The month, projected
Fill in your income and at least one of the costs.
The arithmetic happens in your browser. Nothing is sent to a server, nothing is stored, and the figures disappear the moment you reload the page.
What you are working out
Income minus fixed costs, minus variable costs, minus the savings you want to put aside. What remains is the month's margin.
The order matters more than it looks. Subtracting savings as though it were a bill stops it being whatever happens to be left at the end — it becomes a decision made at the start, and the margin becomes the number that absorbs surprises.
If the result is negative, the plan does not close. That is useful information on the 1st and an unpleasant surprise on the 28th.
What this number does not tell you
It is an educational tool, not financial advice. We know nothing about your situation and are not recommending a savings figure or a spending limit.
A month is not a year. Annual insurance, road tax, holidays and presents do not appear here unless you divide them by twelve and fold them into fixed costs.
The variable figure is your own estimate. If you have never tracked your spending, the number you type here tends to be lower than reality — which is exactly what a month of recording is for.
From the plan to the actual month.
Bolso follows budgets by category with alerts, and shows how the month is going as it goes.
