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| 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](https://www.chartjs.org/). Fully responsive and supports dark mode automatically. | |