README_1.md

metadata

title: Smart Budget Planner
emoji: 💰
colorFrom: green
colorTo: blue
sdk: static
pinned: false
license: mit
short_description: >-
  Interactive budget planner with fixed/variable expenses, percentages, and a
  What-if scenario planner

Smart Budget Planner

An interactive personal finance tool that helps you track income and expenses, understand your spending patterns, and plan ahead with a built-in What-if scenario mode.

Features

• Income & expense tracking — Enter your monthly gross income and edit any expense line in real time
• Fixed vs. variable labels — Every expense is tagged so you can see exactly where your flexibility lies
• Percentage breakdowns — Each category shows its share of your net income at a glance
• Pre-tax deductions — Dedicated section for taxes, FICA, 401(k), and health insurance
• Budget score — A 0–100 health score based on leftover income and savings rate
• Donut chart — Visual spending breakdown with a live legend
• Smart suggestions — Personalized tips based on your actual numbers (dining, retirement, emergency fund, etc.)
• What-if mode — Toggle into scenario planning, slide any expense, and instantly see the ripple effect on your leftover cash and budget score

How to use

1. Enter your monthly gross income at the top
2. Edit any expense field in the Overview tab — numbers update everywhere instantly
3. Switch to What-if mode and drag the sliders to explore "what if I cut dining by $50?" scenarios
4. Read the suggestions panel for personalized next steps

Tech

Built with vanilla HTML, CSS, and JavaScript — no frameworks. Charts powered by Chart.js. Fully responsive and supports dark mode automatically.