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Monthly budget planner

Compare planned and actual income, spending and favorable category variances.

YOUR WORKSPACEProcessed on your device

Compare planned and actual income and expenses for one month and one currency. Positive favorable variance means more income or less spending than planned. Imports use the stated category columns, not arbitrary bank formats.

Report title

Currency code

Budget month

CSV import replaces the rows below. Use these headers (any order): category,kind,planned,actual. Up to 100 records / 150,000 characters; UTF-8 CSV or TSV, file up to 1 MB. Review amounts and dates after importing.

Import records CSV

Category 1

Type 1

Planned amount 1

Actual amount 1

JSON backups are needed to resume later. CSV and PDF are report snapshots. Large reports stop at 40 pages.

Nothing is saved automatically. JSON backups are readable, unencrypted files. Export before closing. PDFs support Latin, Greek and Cyrillic text.

Import JSON backup

Processed on your device. Your files are never uploaded by Justility.

How privacy works

How it works

Choose a month and currency. Enter planned and actual amounts for income and expense categories, or import the documented table. Review totals and favorable variances before exporting.

Supported formats

Up to 100 categories; CSV import headers category,kind,planned,actual with kind income or expense. UTF-8 CSV/TSV up to 1 MB / 150,000 characters. CSV, PDF and JSON output.

Good to know

One currency, nonnegative entered amounts and unique categories within each type. No bank connection, automatic categorization, currency conversion or tax calculation is included.

Worked example

Before

Actual income 3,200; housing 1,000; other spending 650

After

Actual income less actual expenses leaves a 1,550 balance

If other spending was planned at 500, its favorable variance is -150: it exceeded the plan.

Read the sign of a variance carefully

For income, actual minus planned is favorable variance. For expenses, planned minus actual is favorable variance. The balance is a summary of entered categories, not a verified bank balance.

Freelance income dashboard

Troubleshooting

Why does an expense show a negative variance?

Actual spending exceeded its planned amount. Negative favorable variance indicates the category moved against the plan.

Common questions

Can I import any bank statement directly?

No. Prepare the documented category table first. CSV cleaner and converter tools can help you normalize your own exports.

Can I use this without an internet connection?

Yes, after you prepare this tool from Offline help and the browser retains its assets. Installation is optional. All processing dependencies are bundled locally.