Free 3-Category Budget Calculator | Simple Household Budget Planner for Mums

Ditch complex 30-category spreadsheets and regain total clarity over your household money in 30 seconds.

The 3-Category Budget is a free interactive web tool designed for busy mums who want a clear, calm way to organize their monthly income without spending hours tweaking formulas. Built on the proven 60/20/20 framework, this tool automatically calculates your exact targets across three essential pots:

• Needs (60% Target): The non-negotiable household costs that keep life running—housing, bills, groceries, childcare, and transport.
• Future You (20% Target): Paying your future self first—emergency savings, investments, pension, and debt payoff.
• Life (20% Target): Guilt-free family spending, eating out, treats, and everyday lifestyle.

What’s Included Inside:

• ⚡ Interactive Web App Access: Works instantly on phone, tablet, or desktop with no app installation required.
• 📊 Real-Time Split & Visual Chart: Type in your monthly take-home to instantly see your target breakdown and live spending donut chart.
• ✏️ Fully Customizable Line Items: Add, edit, or remove expense lines to match your family's exact routine.
• 💡 Tailored Trimming Advice: Get built-in, practical tips on exactly where to adjust if any category runs over.
• 💾 Automatic Browser Saving & Printable PDF Option: Your progress saves as you go, with 1-click PDF printing for your fridge or planner.

How It Works:

1. Enter £0 at checkout to grab instant free access.
2. Open the interactive web link directly from your confirmation email.
3. Input your monthly income, customize your line items, and see your entire budget fall into place!