Free tool · Scarlet Beast En español →

Money plan: one month of money, on one page

Pay comes every week or every two weeks. Rent comes once a month. The car insurance comes once a year. That makes it hard to see whether a month fits. This page takes each line the way it really comes, turns it into an amount a month, and adds it up: what comes in, what has to be paid, the rest, and what is left or how far short. Some people call this a budget. There is no account, no price, and no bank is connected.

Private by design. Nothing you type is sent anywhere. What you add is kept in this browser on this device from the first time you press Add, and one button erases it. This page runs no analytics or tracking. How we handle privacy. Anyone who uses this browser on this device can read your plan, so on a shared or public computer print or download it and use Erase everything before you go.

This tool needs JavaScript. You can do the same thing on paper: list what comes in and what goes out, each as an amount a month (a weekly amount times 52, divided by 12; an every-two-weeks amount times 26, divided by 12; a yearly amount divided by 12), add each list, and take one total from the other.

Good to know

How it works

Money coming in: one line for each thing, with the amount you get each time and how often it comes.
Money going out: the same, and each line is marked Has to be paid or The rest. The page does not decide which is which. You do.
The buttons with common names only fill the “What is it?” box. You can type any name.
If you keep bills with Bills on this device, a button offers to copy the bills of its newest month into this plan.
My month shows the totals, a bar that compares them, and the sheet as it prints.
Print or save as PDF opens your device’s print window. On most computers and phones that window has a choice named Save as PDF, or something close to it.
Copy as text and Download (.txt) give plain text, for a message to a caseworker or for your own notes.

How the page counts

A year has 52 weeks and 12 months, so a month is a little longer than four weeks. That is why the page does not multiply a weekly amount by 4.
Every week: the amount times 52, divided by 12.
Every 2 weeks: the amount times 26, divided by 12.
Twice a month: the amount times 2.
Once a year: the amount divided by 12.
Each line is rounded to the cent, then the lines are added. The same sums are printed at the bottom of the sheet.
The amount a week under “Left over” is the monthly amount times 12, divided by 52.
The page writes amounts with a dollar sign. The counting is the same in any money.

What this page can’t do

It does not tell you what to spend or what to cut, and it is not advice about money from a person trained to give it.
It is not connected to a bank, a card or a benefits office. It knows only what you type.
It shows an average month. A real month can differ: in some months a weekly payday comes five times, and a yearly bill comes all at once. Bills is the page for one real month, with due dates.
It cannot know what a benefit may be spent on. Food benefits buy food only: if you add them as money coming in, add the food they buy as money going out, or leave both off.
It does not check your numbers. If the amount typed is the amount before taxes, the total will be too high. Use what really reaches you.
It holds one plan, and the plan does not move to another phone or computer by itself. Print it, download it, or use My data on this device to carry a backup across.

If the month comes up short

A short month is a number, not a verdict on you. Many months are short because what comes in is too little, not because of anything you did.
Help with money lists benefits, help with energy and phone bills, and words to say to a company you owe.
Food help lists ways to find food today and food benefits.
Calling 211 reaches a local helpline in most of the U.S. that knows what help is near you.
The printed sheet can go with you to a caseworker, a benefits office or a free legal aid office, so you do not have to remember the numbers.

These are everyday ideas in our own words. This page was not reviewed by a financial counselor.

Tools that go with this

Bills: one real month, each bill with its due date, ticked off when paid.
Help with money: when the basics or the bills do not fit this month.
Food help: food today, and food benefits.
Paper trail: a log of every call, letter and visit about a bill or a benefit.
Call script: what to say before a hard phone call.
When you’ve lost your job: unemployment pay, health cover and the first steps.
All the free tools, and how to save them on your phone.

A count, not a promise. This tool adds up the numbers you type. It does not know your life. If money worry has worn you down to the point of thinking about ending your life, call or text 988 (in the U.S.), or open Get help now. In an emergency, call 911.

The tool and the wording around it were written with AI (Claude) for Scarlet Beast (our AI policy); the numbers and the names of the lines are yours. There is no AI inside this tool: it only multiplies, divides and adds. It was not reviewed by a financial counselor, and it has been checked by a program, not yet used by people planning a real month. Also in Spanish: Plan de dinero; both pages keep the same plan on this device. Found a mistake? Email [email protected].