Planning
Household budget planner
Percent-based targets you can actually adjust after one month of real tracking.
Interactive tool
Percent-based budget planner
Adjust category percentages and watch dollar targets update.
Fully allocated. After a month of real tracking in Calqio, swap these guesses for your actual category totals.
The problem
Static budget templates break on week two
Downloadable spreadsheets assume generic percentages. Your household has Costco, two kids in activities, and winter hydro — templates don’t know that.
How Calqio helps
Plan with percentages, calibrate with logs
Use the planner below for a first-pass split. After 30 days in Calqio, replace guesses with actual merchant and category totals.
Real example
Example: $8,500 net → groceries $1,530 (18%)
A family at $8,500/month might target 18% groceries ($1,530). Logs showed $1,740 — Costco gas was inside grocery mentally but logged separately, explaining $210.
Plan categories, track merchants
Budgets speak in categories. Behavior change happens at stores. Use this planner for targets, Calqio merchants for action.
Common questions
- Are these percentages rules or guidelines?
- Guidelines only. High cost-of-living areas break “rules” — your data wins.
- Where do Costco and Walmart fit?
- Under groceries unless you split household consumables separately.
- How often should I revise targets?
- After first full month of tracking, then quarterly.
- Can couples set different personal allowances?
- Use discretionary % as shared “no-questions” pool or split in two labels.
- Does Calqio enforce budget limits?
- It shows pace vs budget — gentle visibility, not hard blocks.