Where is my money going?
Drop your income and your monthly categories. We'll show your actual split against the 50/30/20 baseline, flag what's tight, and project twelve months out.
50 needs · 30 wants · 20 save
01Income
$
02Categories
Your monthly expenses. Adjust any amount and everything recalculates.
Needs$3.2k · 64%
$
$
$
$
$
$
$
$
Wants$1.0k · 20%
$
$
$
$
$
$
$
Savings$800 · 16%
$
$
$
$
$
$
03 · The result
Monthly surplus
+$0
Income $5.0k − allocated $5.0k · room to allocate or save more
Your split vs 50/30/20 baseline
You
Ideal
Needs
64.0%
$3.2kideal 50%
Wants
20.0%
$1.0kideal 30%
Save
16.0%
$800ideal 20%
Free
0.0%
$0ideal 0%
Bucket totals
Needs$3.2k 64%
Wants$1.0k 20%
Savings$800 16%
Insight
Your budget is balanced — every dollar is allocated. Your savings rate looks healthy.
Your biggest expenses
1
Housing
$1.5k30%
2
Food
$60012%
3
Transport
$4008%
4
Dining out
$3006%
5
Utilities
$2004%
04 · Category health
Line by line — what's tight, what's slack
05 · 12-month projection
Hold this budget for a year — what you build
Cumulative savings
Save + allocate surplus
Current only
Where you stand
Net Worth tracker
Assets minus liabilities — track the gap close monthly as you save.
/budget/networthOpen ↗
How safe you areRecommended
Emergency fund
Months of expenses you have covered. See how far your current savings go.
/budget/emergencyOpen ↗
Beyond the chart
12-month projection
Stress test: what happens if income drops 10% or housing goes up?
/budget/projectionOpen ↗
You have debt payments
Run the payoff plan
See when each debt clears — Avalanche or Snowball.
Open ↗Buying soon?
How much can I afford?
Your savings get you closer. See what home price your income supports.
Open ↗Save your work