The Savvy Gift & Savings Plannerby Rustic Budget & Living
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Daisies with a gingham ribbon, a notebook and a wrapped gift on a farmhouse table

The Savvy Gift & Savings Planner

Every Gift Planned. Every Dollar Counted.

Set a budget for each person, get AI gift ideas that fit it, and track every dollar. No spreadsheets, no overspending.

Start Planning Free

No card. No auto-charge. Savvy Plus is free through Nov 30.

Created by Rustic Budget & Living

How the planner works

  1. 1. Create your free account

    Keep your plans backed up across your devices.

  2. 2. Add someone

    Start with one person you’re shopping for.

  3. 3. Set your gift budget

    Choose a comfortable amount before you shop.

  4. 4. Find thoughtful ideas

    Use the AI Gift Helper to brainstorm within your budget.

  5. 5. Track it all together

    Keep gifts, spending and savings in one place.

Free Christmas Gift Checklist

Print or fill in your Christmas Gift Checklist with your planner account.

Open the Christmas Gift Checklist →

Gift planning features

Everything for the people on your list, in one tidy place.

Gift planner

Add people, ideas and budgets in one place

Gift tracking

Planned, in progress or bought — with receipts

Gift lists

Printable lists for every person

AI gift ideas

Suggestions by age and preference

Your personal AI Gift Helper

A little inspiration for every celebration

Tell it about the recipient, their age, interests, occasion and your budget. Explore ideas, then save favorites to your gift list.

AI suggestions are inspiration—not verified products, prices or availability. Check store details before buying.

Find gift ideas

Your planner dashboard

Sample preview

Gift budget

$400.00

Planned spend

$265.00

Saved so far

$85.00

Cash back earned

$12.00

Open My Dashboard

Year-round occasion planning

Birthdays, anniversaries, graduations, holidays — and your own family traditions.

Merry & Thrifty Christmas Planner

Countdown, gifts and printables

Budget and savings tools

Set a number, stick to it, and keep what you save.

Gift budgets

Set a budget for each person

Savings goal

See what to save each week

Cash-back apps

Ibotta, Rakuten & more

Deal calendar

Know when to buy

Christmas printables

Print the Merry & Thrifty planner & worksheets

Savings trackers

Coupons, weekly savings & deadlines

Price check

Compare stores before you buy

Free vs. Savvy Plus

The basics stay free forever. Savvy Plus is an optional one-time $10 purchase for lifetime access — no monthly fees or automatic charges.

Free forever

  • Gift lists
  • Budgets
  • Savings goals
  • Deal calendar
  • Cash-back apps page
  • Farmhouse Journal blog

Savvy Plus

  • Unlimited AI gift ideas, price alerts, and every printable.

Frequently asked questions

Yes. Gift lists, budgets, and savings goals stay free forever. Savvy Plus is an optional one-time lifetime upgrade.

A one-time $10.00 for lifetime access — no monthly fees or subscriptions. It unlocks unlimited AI helpers, price alerts, all printables and the PDF report.

No. Your saved plans stay yours. Only Plus-only tools require an upgrade when complimentary access ends.

With an account, sign in to the same account on each device to sync your gifts, budgets, worksheets, trackers and events. Without an account, plans stay in this browser on this device. Offline changes sync when you reconnect.

You can request a full refund within 7 days of purchase. See the Refund Policy for details.

Still have a question? Ask our help chat.

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Farmhouse Journal

Cozy posts on budgeting, gift planning and simple living.

Make every dollar count this year

Start with one person and one budget — your planner saves as you go.

Savvy Plus is FREE through November 30, 2026. After that, the basics stay free forever and Savvy Plus is a one-time $10 for lifetime access.

Start Planning FreeExplore Savvy Plus