Online Tool Store
Zero Based Budget Builder
Assign monthly income across practical spending categories until no money is left unplanned, with a clear browser-only budget summary and remaining balance.
🔒 This tool runs entirely in your browser. Your files are never uploaded to a server.
Unassigned income
Example shown — replace these values with your own monthly plan.
How it works
- Enter your take-home income for the month.
- Allocate money to essentials, flexible spending, savings, and debt goals.
- Adjust the plan until the remaining amount is zero.
The formula
Unassigned income = income − total allocations
FAQ
What is zero-based budgeting?
It assigns every unit of income to a spending, saving, debt, or giving category so the remaining balance is zero.
Does zero-based mean my bank account reaches zero?
No. It means all income is assigned intentionally; savings and buffer categories are jobs too.
Can I change the categories?
Yes. This starter UI groups them broadly; use the numbers as a first pass before mapping your own detailed categories.
How we compare
| Feature | Online Tool Store | YNAB | 50/30/20 Budget Calculator |
|---|---|---|---|
| Zero-balance allocation | Yes | Yes | No |
| Account syncing | No | Yes | No |
| No account required | Yes | No | Yes |
Use this private, simple builder to make every dollar intentional; use a full budgeting app when you need ongoing account tracking.