Budget Category Visualizer (Interactive Pie Chart)

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Budget Visualizer

Expense Tracker & Analyzer

Track & Visualize Expenses

Enter your daily expenses below. The tool will automatically accumulate costs by category and visualize where your money is going.

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Description

Category

Amount

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Total Expenses

$0

Highest Spending

-

Category Breakdown

Accumulation by Category

Category	Total Amount	% Share

Data is processed locally in your browser and is not stored on any server.

Beyond the Spreadsheet: Visualizing Your Wealth

A budget isn't a restriction on spending; it's a plan for your money. Seeing your spending as a pie chart often reveals "money leaks" that a simple list of numbers hides.

📊 The Golden Rule: 50/30/20

If you are struggling to categorize your spending, Senator Elizabeth Warren's 50/30/20 Rule is the gold standard for personal finance balance. Use this tool to visualize if your categories fit these buckets:

• 50% Needs: Non-negotiables like rent, groceries, electricity, and insurance.
• 30% Wants: Dining out, hobbies, Netflix, and travel. This is where life happens.
• 20% Savings: Debt repayment, emergency funds, and investments (Reksadana, Stocks).

*If your "Needs" slice is over 70%, it indicates you might be "house poor" or over-leveraged on fixed costs.

🎯 Zero-Based Budgeting

Another powerful strategy is Zero-Based Budgeting. The goal is simple:
Income - Expenses = Rp 0

This doesn't mean you have zero money left. It means every single Rupiah has a "job." If you have Rp 1.000.000 left after paying bills, you don't leave it in the account to accidentally spend. You assign it to a category, such as "Sinking Fund" or "Investment Top-up."

Why Visualization Helps:

Our brains struggle to process a list of 20 transactions. But seeing a giant red slice of the pie for "Food Delivery" creates an instant emotional reaction that drives behavior change.

Budgeting FAQ

How do I handle irregular income (Freelance)?

If your income fluctuates, base your budget on your lowest earning month. In high-earning months, move the excess directly into a "Buffer Category" to cover the lean months.

What are "Sinking Funds"?

Sinking funds are for expenses that you know are coming but aren't monthly (e.g., Car Tax, Holiday Gifts). Divide the total cost by 12 and add it as a monthly "expense" category in this visualizer to save gradually.