Free resources

Personal finance tools that actually help

One tool at a time — budget first, then project growth, track net worth, and plan debt payoff.

Start here

Work through the tools in order — each one builds on the last.

1

Map your budget

See where your money goes each month.

2

Project & track

Grow savings and measure net worth.

3

Plan ahead

Compare debt strategies and estate basics.

Choose a tool

Tool 1 of 5

Personal budget

Allocate your income across categories and see what is left to save or spend.

Start with your take-home pay, then assign every dollar a job before moving to the other tools.

Monthly take-home pay

After taxes — this is what you actually deposit each month

Budgeted$4,000

Remaining$1,000

Savings rate20.0%

Of income80.0%

Income allocation$1,000 left

$0$5,000 income

Categories

Where your money goes

Tap a slice or legend item for details

Housing

$1,500.00

38% of budget

30.0% of income

Food

$600.00

15% of budget

12.0% of income

Transportation

$400.00

10% of budget

8.0% of income

Utilities

$300.00

8% of budget

6.0% of income

Entertainment

$200.00

5% of budget

4.0% of income

Savings

$1,000.00

25% of budget

20.0% of income

50/30/20 check-in

Needs (target 50%)56.0%

Wants (target 30%)4.0%

Savings (target 20%)20.0%

Budgeting tips

Give every dollar a job before the month starts
Aim for 50% needs, 30% wants, 20% savings — adjust to your life
Review monthly: planned vs. actual is where growth happens

Download your budget

PDF, Excel, or Google Sheets

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