The 50/30/20 Budget: September 2026 dashboard on laptop, tablet and phone – planned income $5,600.00, money out $5,005.00, money left $595.00

50/30/20 Budget Planner – spreadsheet and offline app

Split income into needs, wants and savings and compare the plan with real spending.

Web app + Sheets
US · International · German

€4.99 for buyers in Germany, incl. 19% VATOne-time purchase · instant download

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Buy on Etsy – €4.99

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Needs, wants and savings: planned vs. actual
Your own split from any month
Savings goals and sinking funds
Offline web app plus Google Sheets version

Money Overview Bundle: 3 tools, 25% off on Etsy →

In short

A 50/30/20 budget spreadsheet with plan and actual side by side

50/30/20 Budget Planner is a one-time download: an offline web app (no account needed) plus a separate Google Sheets™ template (free Google account) for splitting your income into needs, wants and savings & debt and comparing that plan with what you actually spend each month. No subscription.

The 50/30/20 rule is simple on paper: half your income for needs, 30% for wants, 20% for savings and debt. Keeping to it is the harder part. This planner starts from your planned monthly income, turns the split into amounts and shows each bucket's plan, actual spending and what's left. Category budgets, savings goals and a yearly overview use these figures too, and you can set your own split.

The actual figures come only from the transactions you record. No bank data is imported, nothing is recorded on its own and no money is moved. "Money left" is what remains of your recorded income – not your bank balance. Planning by payday instead? The Paycheck Budget Planner fits better.

An organizing tool – not financial, tax or legal advice.

The 15-second tour

See it move

What the video shows

The budget plan on a laptop. Labels appear one by one: 50/30/20 Split, Budget vs. Actual, Recurring Entries, Savings Goals and Yearly View. A small card works out the split: planned income $5,600, needs 50% $2,800, wants 30% $1,680, savings 20% $1,120. Then the yearly overview, budget vs. actual by month, the recurring entries and the savings goals. It ends with: offline web app + Google Sheets, three editions (US, International, Deutsch), separate files, no syncing.

The video has no sound. · 15 s

Feature images

See it in action

Your 50/30/20 at a glanceEach bucket with plan, actual and the change from last month.
Two ways to trackThe dashboard in the web app and in Google Sheets, side by side.
Budget your wayKeep 50/30/20 or set your own split, then budget each category.
Record recurring items in one clickSet an item up once; record each date when it really happens.
Savings goals and sinking fundsWhat's saved, what's missing and a suggested monthly amount.
Planned vs. actualBars per bucket and a category check that flags anything over budget.
Keep it simpleIncome, money out and what's left on one page.
Your year in reviewTwelve months, the actual split and a month-by-month table.
Transactions in the right bucketInterest counts as a need or want, the principal toward savings & debt.
Your data stays localBrowser storage with backups and CSV; Sheets saves to your Google account.
Made for your regionUS, International and DACH editions with their own formats.
Start with confidenceA five-step setup or a demo month, in three color styles.

Inside the app

Real screenshots, sample data.

DashboardIncome, money out, money left and the three buckets.
Budget planThe split, planned income and a budget per category.
What do you want to add?Every transaction type in one place.
Recurring itemsRecord one date or several at once.
Savings goalsTotals, progress and suggested monthly amounts.
International editionThe dashboard in the International edition, in pounds.

What's included

Offline Web App
A single HTML file that opens in your browser, without an account or subscription.
Google Sheets Templates
A blank template and a sample version.
Regional Editions
US, International and DACH, with regional currency and date formats.
START HERE Guide
Setup instructions in English and German (PDF).

What it does

Your split and your plan

Start with 50/30/20 or set your own split – it always adds up to 100%
A new split applies from the month you choose; earlier months stay as they were
Budget every category inside its bucket, see what's unallocated and copy last month's budgets

Planned vs. actual

Planned and actual income, money out and money left for the month
Needs, wants and savings & debt with plan, actual, what's left and the change vs. last month
Budget vs. actual chart, where your money went, and over-budget categories highlighted

Recording

Income, expenses, savings deposits and withdrawals, goal money and internal transfers
Debt payments split into interest (a need or want) and principal (savings & debt)
Recurring items weekly, every two weeks, monthly, quarterly or yearly – nothing is recorded until you say so

Goals and the year

Savings goals and sinking funds with target, target date, progress ring and a suggested monthly amount
Yearly overview with the actual split, a month-by-month table, CSV download and a printable report

In the web app

Guided setup and a separate demo month
Record recurring dates in one click or several at once; JSON backup and restore

Web app or Google Sheets?

Both versions are in your download – each with the 50/30/20 split, category budgets, savings goals and a yearly overview. They are separate files; pick the one that fits how you work.

Topic	Offline web app	Google Sheets
Where your budget lives	In your browser, on this device	In your own copy in Google Drive
Account	Not needed	A free Google account
Works offline	Yes, once the file is open in your browser	Usually needs an internet connection
Getting started	Five-step setup or a demo month	A blank or sample copy, plus a check tab
Recording transactions	A form for each type, recent categories one click away	One transactions tab with room for 3,000 rows
Recurring items	Record a date in one click, or several at once	Dates are listed for you to copy into the transactions tab
Simple view	Switch to Simple Mode any time	A separate Simple Mode tab
Backup & history	JSON backup and restore; CSV exports	Google's version history

They don't sync.

How it works

Buy on Etsy
Check out on Etsy, then download your files in a web browser – not in the Etsy app.
Open START HERE
The guide shows which web app file to open and has your Google Sheets copy links and the link for iPhone and iPad.
Start planning
Open the web app in your browser, or make your own copy of the Google Sheets template, and add your first entry.

More about how it works

Is it right for you?

A good fit if you …

like the 50/30/20 idea and want to see how your real month compares
want a budget per category without building the formulas yourself
are saving toward goals or setting money aside for yearly costs
want the full detail some months and just income, money out and what's left in others

Maybe not the right fit if you …

want to plan by payday rather than by calendar month. Paycheck Budget Planner →
just want to record income and expenses without a split. Budget Spreadsheet →
are mainly paying off several debts and want to compare payoff orders. Debt Payoff Planner →
need what this planner doesn't have: bank imports, automatic recording or syncing between the two versions.

50/30/20 Budget Planner

€4.99 for buyers in Germany, incl. 19% VATEtsy shows the final amount in your currency at checkout.

Buy on Etsy – €4.99

One-time purchase · instant download · offline web app + Google Sheets

What you need

Device	Web app	Google Sheets
Windows or Mac computer	Open the HTML file in Chrome, Edge, Firefox or Safari	In your browser
Android phone or tablet	Open the file from Downloads with Chrome	Google Sheets app or browser
iPhone & iPad	Open the web-app link from your START HERE guide in Safari and add it to your Home Screen	Google Sheets app or browser

Editions

Edition	Format
US	United States (USD)
International	United Kingdom, Ireland, Australia, New Zealand and Canada
DACH	Germany, Austria and Switzerland (EUR and CHF, German)

Good to know

Digital download only. No physical item will be shipped.
The offline app stores data locally in your browser. Create JSON backups regularly to help prevent data loss.
The Google Sheets version stores data in your own Google account.
No bank connection, no automatic imports and no money is moved.
Suggested monthly amounts are planning estimates.
This planner is an organization tool, not financial, tax or investment advice.
For personal use only.

Questions about the 50/30/20 Budget Planner

Does it connect to my bank?

No. There's no bank connection and nothing is imported – you record income and spending yourself.

Can I use a different split than 50/30/20?

Yes. Set any split that adds up to 100%, starting from the month you choose. Earlier months keep the split they had.

Is "money left" my bank balance?

No. It's your recorded income minus what you recorded in the three buckets – it knows nothing about other accounts.

Do I need an account?

The web app needs no account – you open the file in your browser. The Google Sheets version needs a free Google account. There's no stillmeasure. account and no subscription.

Where is my budget saved – and do the two versions sync?

The web app saves your budget in your browser on that device – create a backup regularly. The Google Sheets version is your own copy in Google Drive. The two don't sync.

Does it work on my iPhone or iPad?

iPhone & iPad: open the web-app link from your START HERE guide in Safari and add it to your Home Screen. A downloaded HTML file on its own only opens as a preview on iPhone and iPad.

Can I use it in Excel?

It isn't supported. The spreadsheet is built for Google Sheets.