Love your budget spreadsheet? Keep the feel, lose the maintenance.

Spreadsheets are fast to type into, but every new month means copying tabs, fixing formulas and building charts again. PlannedOut keeps the grid and does the rest for you.

Encrypted in your browser · No bank or SMS access

What feels the same as Excel

Arrow keys, Tab and Enter to move between cells
Formulas in any amount cell, like =450*3 or =1200+340
Copy and paste blocks of rows straight from Excel or Google Sheets
Fill down, undo and redo
An optional Excel-style green theme

Arrow keys, Tab, Enter, formulas and paste work like Excel.

What you no longer build by hand

Monthly totals and a clear surplus or shortfall verdict
Year view across all twelve months
Category trends and top merchants
Savings projection to any future year, and a 'how long will my money last' number
What-if sliders for cutting spending or adding income

Example. Totals, verdicts and trends with no formulas to maintain.

Bring your existing sheet

Import .xlsx workbooks, including one tab per month
Import CSV files and bank statement exports
Files are read in your browser; the raw file is never uploaded

Questions

Can I import my Excel budget template?

Yes. Import .xlsx or CSV. PlannedOut guesses which columns are date, description and amount, and you can adjust before saving.

Why not just use Google Sheets?

You can, but a shared cloud sheet is readable by the provider and needs manual upkeep. PlannedOut encrypts your data before saving and builds the analytics and projections automatically.

Do formulas work?

Yes. Amount cells accept simple formulas such as =1200+340 or =450*3.

More guides

Budget planner for India: Free household budget planner for India. Track salary, EMIs, rent, SIPs, school fees and insurance premiums in rupees, see if each month adds to your savings, and keep your data encrypted.
Private expense tracker: A private, end-to-end encrypted expense and budget tracker. No bank login, no SMS access, no ads, no data selling. Your numbers are encrypted in your browser before they are saved.
Savings runway planner: Plan a career break, sabbatical, job loss, early retirement (FIRE) or retirement. See how many months your savings last based on your real spending, with inflation and yearly bills.
Annual expenses planner: Plan annual and irregular expenses like school fees, insurance premiums, property tax, subscriptions and festivals. See the yearly total and the monthly amount to set aside.