Plan envelope budget

Assign an income amount to named spending envelopes and expose money left unassigned or over budget.

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ToolEnvelope Budget Planner
Input
Output
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How it works

Each non-empty line ends with a comma and amount; the final comma is the separator so an envelope name may contain earlier commas. The amounts are summed and subtracted from income, while allocation percentage divides that sum by income; no category or amount is supplied automatically.

Formula
remaining money = income − sum of envelope amounts
  • Zero income reports a 0% allocation instead of dividing by zero.
  • A negative remainder is preserved to show that planned envelopes exceed available income.

Worked example

Plan envelope budget
Input
											Income: 3000
Envelopes: Housing, 1200
Food, 500
Transport, 250
Savings, 600
Output
												Name       Amount
---------  ------
Housing    1200
Food       500
Transport  250
Savings    600

When to use this

Cash-envelope systems assign pay to housing, food, transport, and savings; zero-based budgets target a remainder of 0, while irregular-income plans begin from a conservative income figure.

Edge cases

  • A line such as "Rent, rates, 1,200" is rejected because grouping commas make the final amount ambiguous; enter the amount as 1200.
  • A missing, negative, or nonnumeric amount is rejected before it can contaminate the budget totals.
  • When envelope amounts exceed income, the remainder stays negative and allocation rises above 100%, exposing the over-allocation.

References