Upload README_1.md

README_1.md

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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.