Budget Planner
Budget smarter.
See where every dollar goes.
Track monthly expenses across customizable categories with sub-categories. Life phase modifiers adjust projections as your life evolves. Direct FIRE integration shows the true cost of spending.
Custom Categories
9 default categories plus unlimited custom ones. Add sub-categories like "Car Insurance" under "Insurance".
Fixed vs Variable
Tag expenses as fixed or variable. See at a glance what's flexible and where you can cut spending.
Life Phase Modifiers
Children increase food costs. Retirement drops transport. Modifiers adjust per-age projections automatically.
Life Energy
Convert expenses to hours of work. See the true cost of every purchase in terms of your life's time.
Sub-Category Roll-Up
Organize expenses into parent and sub-categories. Insurance breaks down into Car Insurance, Home Insurance, and Health Insurance. Sub-categories automatically roll up into parent totals for clean budget summaries.
- Unlimited sub-categories per parent
- Automatic total roll-up
- Collapse/expand for clean views
- Sub-categories sync to FIRE calculator
Life Energy — Time Is Money
Every expense costs you hours of your life. If you earn €30/hour after taxes, a €600 food budget costs 20 hours per month. See the true cost of spending in hours, not just euros.
- Convert any expense to hours of work
- Based on your actual hourly rate
- Helps prioritize spending decisions
- Inspired by "Your Money or Your Life"
Common questions
Budget Planner FAQ
Can I add custom budget categories?
Yes! Lifeplanr starts with 9 default categories (Housing, Food, Transport, Insurance, Health, Entertainment, Personal, Savings, Other) but you can add, rename, and organize custom categories and sub-categories to match your exact budget structure.
What are life phase modifiers?
Life phase modifiers adjust your budget projections based on life events. For example, having children increases food and housing costs. Retirement decreases transport costs. These modifiers are applied per-age in the lifetime projection to give you realistic lifetime budget estimates.
How does the life energy calculation work?
Life energy converts expenses into hours of work. If you earn €30/hour after taxes, a €600/month food budget costs you 20 hours of your life per month. This perspective helps you make more intentional spending decisions by seeing the true cost of expenses.
Does the budget sync with the FIRE calculator?
Yes! Your monthly budget feeds directly into the FIRE calculator. When you update your expenses, your FIRE projections update automatically. Sub-categories roll up into parent categories for clean FIRE calculations.
Know where every dollar goes.
Budget for your entire life.
Start tracking your expenses today — completely free.
Start Budgeting — FreeNo credit card required. Your data stays private.