Plan income and expenses by category, see your remaining balance instantly, and check where the money's actually going. Saves in your browser. Free.
💾 Saves in this browser only, per budget. A planning tool — not personalised financial advice.
Key takeaways:
This planner lays out income and expenses in categories that actually match student life — part-time work and allowance alongside rent, tuition, books and subscriptions — rather than a generic household budget template with categories that don't apply. Fill in what's relevant, leave the rest at zero, and the totals and remaining balance update as you go.
Save more than one budget by name to compare semesters, or to plan ahead for a semester that hasn't started yet.
Knowing you're $50 short each month is useful; knowing that subscriptions and entertainment are 30% of spending is what actually lets you do something about it. The category breakdown exists to answer "where does it actually go," which a single total balance never can.
If a loan is part of your student finances, pair this with the Student Loan Payment Tracker to see repayments alongside the rest of your budget.
Can I save more than one budget?
Yes — name each budget (e.g. "August 2026" or "Semester 1") and switch between them with the dropdown. Every saved budget keeps its own category amounts.
How is remaining budget calculated?
Total income minus total expenses, added up across every category you've entered an amount for.
Can I add my own categories?
The common student categories are built in, and both income and expenses include an "Other" line for anything that doesn't fit — enough for most budgets without needing custom category names.
Where is my budget stored?
Entirely in this browser's local storage, on this device. Nothing is uploaded. Export a CSV or PDF as a backup, especially before clearing browser data.
Is this financial advice?
No. This is a planning and tracking tool for the numbers you enter — it doesn't recommend spending limits or give personalised financial advice. For that, a financial counsellor or your institution's student services can help.
What if my expenses are higher than my income?
The remaining budget figure will show as negative, in red, so it's immediately visible. That's worth acting on early — many universities offer free financial counselling for exactly this situation.