Interactive Personal Budget Planner | 50/30/20 Rule, Debt Payoff, Savings Goals & Net Worth | Offline HTML Tool | Instant Download

Finally — a budget planner that actually works the way you think. ClearBooks is a fully interactive personal finance tool that runs entirely in your browser. No app to install. No subscription. No syncing. Just download, open, and take control of your money.

Unlike static spreadsheets or PDFs, ClearBooks is a living tool — add income, log expenses, and watch your financial picture update in real time across every tab.

What's Inside — 7 Modules in One File

•      Overview: Live stats: income, expenses, cashflow, savings rate + 3-month trend bar chart

•      Income: Log all income sources by category — salary, freelance, rental, investments

•      Expenses: Tag every expense as a Need, Want, or Savings/Debt — feeds the 50/30/20 engine automatically

•      50/30/20 Rule: Real-time progress bars showing your actual spending vs the 50/30/20 targets with surplus/deficit

•      Savings Goals: Name a goal, set your target, log how much you've saved, and get automatic months-to-goal calculation

•      Debt Payoff: Track balances, interest rates and minimum payments — calculates payoff timeline, total interest, and compares Avalanche vs Snowball strategies

•      Net Worth: Add all assets and liabilities to see your real net worth in one number

Key Features

•      Light & dark mode — toggle with one click, preference saved automatically

•      Month-by-month tracking — switch between months to compare spending over time

•      Works 100% offline — your financial data never leaves your device

•      Auto-saves to your browser as you go — no save button needed

•      Export your data as a backup file; import on any device or browser

•      Compatible with Chrome, Safari, Firefox, Edge on Mac, Windows, and Linux

How It Works

•      Purchase and instantly download the .html file

•      Double-click to open in any web browser

•      Enter your income and expenses — everything calculates automatically

•      Use Export to back up your data at any time

Perfect For

•      Anyone who wants to apply the 50/30/20 budgeting rule

•      People paying off debt who want to visualise their payoff timeline

•      Savers tracking multiple goals at once

•      People who want a private, offline alternative to Mint or YNAB

•      Anyone fed up with spreadsheets that break or Google Sheets that require a login

What You'll Receive

•      1 x budget-planner.html (single file, under 100KB)

•      1 x README.html Quick-Start Guide

Note: This is a digital download. No physical item will be shipped. Works in any modern web browser without installation.