A budget planner is a tool that helps you track your income and expenses and plan your spending. The goal of a budget planner is to provide you with a clear picture of where money is being spent, identify areas where may be overspending and make adjustments to your spending habits in order to reach your financial goals.

A budget planner typically includes categories for income, such as salary, investment income, and government benefits, and categories for expenses, such as housing, food, transportation, entertainment, and debt repayment. By tracking your spending and comparing it to your income, you can identify areas where may be overspending and make changes to improve your financial situation.

It's important to choose a budget planner that works best for your needs and financial situation and to regularly review and update the budget as your income and expenses change.