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Project Budget Planner

Build a construction or renovation budget line by line across labor, materials, permits, equipment and contingency. See category totals, a contingency buffer and the grand total — export as text, CSV or JSON.

Budget Lines
Contingency
Budget Totals
grand total
subtotal
Split by Category

About Project Budget Planner

A budget is only as good as its line items. The Project Budget Planner lets you build a construction or renovation budget row by row — labor, materials, permits, equipment and anything else — then rolls everything into category totals, applies a contingency buffer you control, and shows the grand total.

Add, edit and remove lines as the plan evolves, watch the category bar chart rebalance, and export the budget as text, CSV or JSON to share with partners or hand to a contractor.

Features

  • Line items: Add as many rows as the job needs.
  • Categories: Labor, Materials, Permits, Equipment, Other.
  • Contingency: Percentage of subtotal, auto-applied.
  • Live totals: Per-category and grand total.
  • Visual split: Bar chart by category share.
  • Report & export: Copy or download as text, CSV or JSON.
  • Learning guide: Contingency, categories and tracking explained.

How to Use

  1. Pick a category. Set it per line item.
  2. Add lines. Description + expected amount; use "Add line".
  3. Set contingency. Usually 10–15% of subtotal.
  4. Read totals. Category sums + grand total update live.
  5. Review split. Bar chart shows where money goes.
  6. Export. Copy or download the budget.

Examples

Example 1 — Bath remodel. Labor $9k, Materials $6k, Permits $700, Equipment $300, Other $500 → subtotal $16,500; 15% contingency $2,475; total $18,975.

Example 2 — Addition. Labor $40k, Materials $55k, Permits $3k, Equipment $4k → subtotal $102k; 20% contingency $20,400; total $122,400.

Example 3 — Contingency effect. Same $102k job at 10% = $112,200 vs 20% = $122,400 — a $10,200 swing.

Example 4 — Light bid. A quote at $95k vs your $102k plan signals the bid may be missing scope.

Example 5 — Phase split. Tag descriptions "Demo:", "Rough:", "Finish:" to read phase cost in the list.

Benefits

  • One view: Every cost in one roll-up, no spreadsheet tabs.
  • Contingency real: A buffer that scales with the job.
  • Split visible: The chart shows labor vs materials dominance.
  • Quote-ready: Export to compare against bids.
  • Flexible: Add, remove and reclassify lines anytime.
  • Private: No account, nothing uploaded.

Frequently Asked Questions

What categories should a construction budget have?
At minimum: labor, materials, permits & fees, equipment/rentals, and a contingency. Larger jobs also split design, inspections and financing. This planner uses Labor, Materials, Permits, Equipment and Other.
How much contingency should I hold?
Hold 10–15% for a well-defined remodel and 15–25% for a renovation with unknowns (old wiring, hidden damage). The planner applies a percentage you set to the subtotal automatically.
Should contingency be a line item?
Yes — treat it as a real reserve, not a rounding error. Enter it as a percentage so it scales if the job grows, and only spend it when something actually goes wrong.
Can I plan by phase?
Group line items by category here; for phase tracking (demo, rough, finish) use the description field or split into multiple budgets. The totals roll up the same way.
How do I compare against quotes?
Enter each contractor line as a budget item, then compare the quote total and per-category splits to your plan to spot where a bid is light or heavy.
Does it track actual vs budget?
This planner sets the budget. Enter your expected costs as line items; for tracking actual spend, keep a second copy and update amounts as bills arrive.
Is my data stored?
No. Every calculation runs in your browser and nothing is uploaded, saved or logged.