---
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.