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Smart Budget Planner Pro

Private, local-first budgeting, tax planning, investments, goals, debt, and business cash flow.

This month

Budget snapshot

Run the setup wizard or start adding income and bills manually.

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Monthly Income$0
Monthly Bills$0
Free Cash Flow$0after recurring bills
Net Worth$0Savings rate 0%

Income vs. Outflow

Monthly

Spending Breakdown

Categories

Cash Flow Forecast

Smart Suggestions

Auto

Due Soon

30 days

Subscriptions

Getting Started Wizard

Smart templates

Answer what you know. The app creates starter income, common monthly bills, categories, goals, tax settings, and a practical budget baseline.

Bill & Payday Calendar

Income

Bills & Recurring Expenses

Budget Categories & Envelopes

Transactions

Store Tab Tracker

Adds into budget

Track purchases added to a store/customer tab. Open unpaid totals are included in your monthly outflow and dashboard cash-flow calculations.

Add Purchase

Today Subtotal$0.00before tax
Today Tax$0.009.75%
Today Total$0.00with tax
Open Tab Balance$0.00included in budget

Purchases

Daily Totals

0 records

Savings Goals

Goal Simulator

What-if

Debt Accounts

Payoff Plan

Assets

Net Worth Summary

Tax Settings

Estimate

This is a planning estimate, not tax advice. Federal brackets, standard deductions, Social Security and Medicare rates are embedded locally. State income tax is estimated by selected state rules where available; flat/no-tax states are handled directly.

Tax Breakdown

Investment Projection

Compound returns

Projected Portfolio

Business Income

Business Expenses

Business Snapshot

Monthly

Monthly Cash Flow

Budget vs Actual

Printable Summary

Privacy & Data

This app stores data in this browser using localStorage. PHP only creates a random device cookie. No budget data is stored server-side.

App Preferences

About Tax Accuracy

Offline tax calculations are only as current as the tables bundled in the app. Update the tax data file in the JavaScript when brackets change. For exact payroll withholding, credits, local taxes, deductions, and business taxes, use payroll software or a tax professional.