Free Income Planner — Build Your Paycheck Blueprint
A free, guided budget builder. Enter your take-home pay, add your expenses by category, and get an exact per-paycheck allocation. Zero-based budgeting made simple. No sign-up required, nothing stored.
How it works
- Enter your take-home pay — Your net income after taxes, per paycheck
- Map your lifestyle blueprint — Add your monthly expenses across categories like housing, groceries, transport, subscriptions, and savings
- Get your per-paycheck allocation — See exactly how to divide each paycheck so every dollar has a job
- Email your plan — Send yourself a copy to refer back to anytime
What is zero-based budgeting?
Zero-based budgeting means every dollar of income is assigned a purpose — expenses, savings, or debt payoff — until you reach zero left over. It's one of the most effective methods for gaining control of your finances.
New to budgeting? Read our free paycheck budgeting guide first — it explains exactly what this tool helps you build.
Want to track your budget long-term? Violet Codex is a private, offline-first personal finance dashboard for Windows.