Enter your income, choose a framework, and see your plan take shape.
$
Fixed-Expenses Focus: Lock in your fixed costs first. If fixed expenses eat up too much of your income, everything else — your goals, your flexibility, your fun — gets squeezed out. Adjust the percentages to fit your season of life.
Dining out, entertainment, travel, hobbies, personal spending
%
$1,500
Percentages must total 100%. Currently: %
Savings-First: Protect your future before anything else. Automate your savings and goals the moment your paycheck arrives — then spend the rest however you choose. No guilt, no daily budget math.
Goals 20%
Life 80%
Financial Goals — First
Automated before bills hit. Nonnegotiable.
%
$1,000
Suggested goal breakdown
Retirement (401k / IRA)$500
Short-term debt payoff$250
Emergency fund / savings$250
Everything Else
Housing, food, transportation, lifestyle, fun — all of it, no tracking required
%
$4,000
Percentages must total 100%. Currently: %
Dollar Focus (Zero-Based): Every dollar gets a job. Assign amounts to each category until nothing is left unassigned. Best paired with a 50/20/30 or 80/20 framework for the big-picture split.
Financial Goals
$0
Retirement savings (401k / IRA)
Emergency fund
Debt payoff
Other savings goal
Fixed Needs
$0
Housing (rent / mortgage)
Utilities
Transportation (car / transit)
Insurance
Groceries
Subscriptions
Childcare / school
Discretionary Wants
$0
Dining out
Entertainment
Travel
Hobbies
Personal / self-care
Gifts
Other
Monthly Income$5,000
Total Assigned$0
Unassigned$5,000 left
Assign every dollar until you reach $0 unassigned.