The Smart Budget Calculator is a comprehensive financial planning tool that helps you track your income, expenses, and savings goals across multiple currencies. This interactive web application provides:

• Multi-currency support with automatic exchange rate updates
• Detailed income tracking with flexible frequency options (weekly, bi-weekly, monthly, annually)
• Expense categorization (fixed, variable, transportation, debt payments)
• Savings goal tracking with progress visualization
• Interactive charts showing your expense breakdown
• Budget health analysis with personalized tips
• Data persistence – save your budget locally or export/import it

Online Wedding Budget Calculator

Smart Budget Calculator

Take control of your finances with intelligent insights

Currency 🇺🇸 USD 🇪🇺 EUR 🇬🇧 GBP 🇯🇵 JPY 🇨🇦 CAD 🇦🇺 AUD 🇨🇭 CHF 🇨🇳 CNY 🇮🇳 INR 🇧🇷 BRL 🇲🇽 MXN 🇰🇷 KRW 🇸🇪 SEK 🇳🇴 NOK 🇸🇬 SGD

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How to Use the Budget Calculator

1. Setting Up Your Currency

1. Locate the currency selector in the top-right corner
2. Choose your preferred currency from the dropdown (USD, EUR, GBP, etc.)
3. The calculator will automatically fetch exchange rates and convert all amounts

2. Entering Income Sources

1. Primary Salary/Wages:
   • Enter your salary amount
   • Select payment frequency (weekly, bi-weekly, monthly, annually)
2. Freelance/Side Income:
   • Enter any additional income from side jobs
   • Select payment frequency
3. Investment Income:
   • Enter income from investments
   • Select payment frequency (monthly, quarterly, annually)
4. Other Income:
   • Enter any other monthly income sources

Note: All amounts are automatically converted to monthly equivalents

3. Tracking Expenses

Fixed Expenses:

• Rent/Mortgage
• Utilities
• Insurance
• Phone/Internet

Variable Expenses:

• Groceries
• Dining Out
• Entertainment
• Shopping

Transportation:

• Car Payment
• Gas/Transportation

Debt Payments:

• Credit Cards
• Student Loans

Simply enter the monthly amount for each expense category

4. Setting Savings Goals

1. Emergency Fund:
   • Set a target amount
   • Enter your current balance
   • Set monthly contribution amount
2. Retirement:
   • Set retirement savings target
   • Enter current retirement balance
   • Set monthly contribution
3. Other Goals:
   • Set target for other savings goals
   • Enter current balance
   • Set monthly contribution

Progress bars will show your progress toward each goal

5. Analyzing Your Budget

• View your monthly income, expenses, and net income at the top
• See your expense breakdown in the interactive pie chart
• Check your savings rate and budget health
• Read personalized budget tips based on your entries

6. Saving and Managing Your Data

1. Save Budget:
   • Click the “Save Budget” button to store your data in your browser
   • Your data will persist even if you close the browser
2. Export Data:
   • Click “Export Data” to download a JSON file with all your budget information
   • Useful for backups or transferring between devices
3. Import Data:
   • Click “Import Data” to upload a previously exported budget file
   • All your settings and amounts will be restored
4. Reset Calculator:
   • Click “Reset Calculator” to clear all entries
   • Confirmation will be required before resetting

Tips for Effective Use

1. Be thorough – Enter all income sources and expenses for accurate results
2. Update regularly – Revisit your budget monthly to adjust amounts
3. Use the tips – The budget health section provides actionable advice
4. Try different currencies – Helpful if you earn/spend in multiple currencies
5. Export backups – Especially before making major changes

Troubleshooting

• If amounts don’t update, try refreshing the page
• If exchange rates fail to load, the calculator uses default rates
• Clear browser cache if you experience persistent issues
• Ensure you’re using a modern browser (Chrome, Firefox, Edge, Safari)

This budget calculator gives you a complete picture of your financial health, helping you make informed decisions about spending and saving. The multi-currency support makes it especially valuable for international users or those with income/expenses in different currencies.