---
title: Monthly Budget Planner API
slug: monthly-budget-planner
url: https://apyhub.com/freedailypro/service/monthly-budget-planner
provider: FreeDailyPro
tags: [Finance, Budgeting, Personal Finance, Expense Tracking, Budget Planner, Savings, Income Management, Expense Calculator, Financial Planning, Money Management, Cost Calculator, Debt Management]
auth: api_key
version: v1
service_type: sync
endpoints: 1
atoms: 10
mcp: true
---

# Monthly Budget Planner API

Plan monthly budgets, categorize expenses, calculate savings, track yearly costs, and determine remaining income using the Monthly Budget Planner API.

## Endpoints

| Method | URL | Description | Atoms |
| --- | --- | --- | --- |
| POST | `https://api.eu.apyhub.com/freedailypro/monthly-budget-planner/monthly-budget` | What it does Calculates a monthly budget from the submitted income and expense list, then returns t… | 10 |

## Endpoint reference

### Total a monthly budget and return spending, savings and remaining money

`POST https://api.eu.apyhub.com/freedailypro/monthly-budget-planner/monthly-budget` · 10 atoms · accepts `application/json` · returns `application/json`

| Parameter | In | Type | Required | Description |
| --- | --- | --- | --- | --- |
| `income` | body | number | yes |  |
| `expenses` | body | array of object | yes |  |
| `expenses[].kind` | body | string | no | 50/30/20 bucket: need, want, savings, or debt (a required debt payment, counted in needs). When no expense has a kind the site's name-based guess is used for plan, and without kind or period on any e… |
| `expenses[].name` | body | string | yes |  |
| `expenses[].amount` | body | number | yes |  |
| `expenses[].period` | body | string | no | month (default) or year: a yearly amount counts as amount / 12 a month (a sinking fund for an annual bill). One of: month, year. |

#### Quickstart

Send your monthly income and expense list to generate a budget plan.

```bash
curl -X POST "https://api.eu.apyhub.com/freedailypro/monthly-budget-planner/monthly-budget" \
  -H "apy-token: $APY_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "income": 5000,
    "expenses": [
      {
        "name": "Rent",
        "amount": 1800
      }
    ]
  }'
```

#### What you'll get back

Returns a JSON object. The output schema does not declare any top-level fields, so the response shape is not specified here.

```json
{
  "result": {
    "income": 5000,
    "spent": 1800,
    "remaining": 3200,
    "savingsRatePct": 64,
    "expenses": [
      {
        "name": "Rent",
        "amount": 1800
      }
    ]
  }
```

## About

## What it does
Monthly Budget Planner helps you total a monthly budget from one income value and an expenses list. Send income and expenses, and it returns a structured response for budget calculations based on the amounts you provide.

Each expense item includes a name and amount, and can also include kind and period. Use kind to label items as need, want, savings, or debt. Use period when an expense is monthly or yearly; yearly amounts are treated as amount / 12 per month, which is useful for annual bills and sinking funds.

Use Monthly Budget Planner when you want to break down paychecks, compare spending categories, or estimate how much room is left after fixed bills and savings goals. It fits budgeting tools, personal finance workflows, and planning screens that need to turn a simple income and expense list into month-based totals.

The service is designed for direct calculation rather than advice: you give it the numbers, and it gives you the budget result you can use in your app or agent flow.

## Usage

Base URL: `https://api.eu.apyhub.com` (default region — see
`GET https://apyhub.com/api/public/regions` for the rest).

Authenticate with an ApyHub API key in the `apy-token` header.
Full docs and a live playground: https://apyhub.com/freedailypro/service/monthly-budget-planner