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Christmas Gift Budget Calculator & Planner

List who you buy for with a spending limit each, add travel and hosting costs, and see if your holiday plan fits your budget. Copy a CSV.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Scope: a simple holiday spending plan in US dollars for gifts plus other holiday costs you type in (travel, hosting, decorations, wrapping, shipping). Not included: sales tax, prices of real products, credit card interest, gift card fees, store deals and any advice on how much you should spend; it only adds up the numbers you enter. The method follows the Consumer Financial Protection Bureau’s holiday tips: set one total for gifts and other holiday costs, list each person with a spending limit, set money aside from each paycheck and track what you spend. Everything stays in this browser tab; nothing is sent or saved. Independent ToolsKo planner. Sources reviewed November 11, 2026.

How to use it (step by step)

  1. 1Type one person per line: the name, a comma, and the most you want to spend on them, like “Mom, 75”. If you already bought something, add what you spent: “Mom, 75, 40”.
  2. 2Above the list, type your total holiday budget, other holiday costs such as travel or hosting, money you already set aside, and how many paychecks are left before you shop.
  3. 3Read whether you are under or over budget and how much to set aside per paycheck, then copy the CSV lines into Excel or Google Sheets to keep tracking.

Words to know

Spending limit
The most you plan to spend on one person. Setting it before you shop helps you avoid impulse buys.
Holiday spending plan
All the money the season will cost you: gift limits plus travel, parties, decorations and other extras.
Set aside per paycheck
How much to put away from each paycheck so the money is ready when you shop, instead of paying later with a credit card.
CSV
A plain list with commas between the columns. Spreadsheet apps open it as a table.

Explore tools for Australia, the US & Europe →

Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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