💵 Step 1: Money Coming IN Monthly
🏠 Step 2: Monthly Bills Toggle On/Off
Toggle each bill on and enter your amount. Only add what actually applies to you.
Rent / Mortgage
Monthly housing cost
Car Payment
Monthly auto loan
Auto Insurance
Monthly premium
Phone Bill
Cell service monthly
Internet
Home WiFi monthly
Utilities
Electric, gas, water avg
Groceries / Food
Monthly food budget
Gas / Transportation
Monthly fuel cost
Health Insurance
If not taken from paycheck
Student Loans
Monthly payment
Credit Cards
Minimum monthly payment
Childcare / Daycare
Monthly cost
Gym / Fitness
Monthly membership
Streaming Services
Netflix, Hulu, Disney+ etc.
Other Monthly Bills
Anything else monthly
📅 Step 3: Annual Expenses The Ones People Forget
Enter yearly costs — we'll break them into monthly so nothing surprises you.
Car Registration
Annual DMV fee
Tax Preparation
CPA or TurboTax
Home/Renters Insurance
Annual premium
Holiday / Gifts
Christmas, birthdays
Vacation / Travel
Annual trips
Amazon Prime / Annual Subs
Yearly memberships
Car Maintenance
Oil changes, tires, repairs
Home Repairs / HOA
Maintenance, HOA fees
Clothing / Shopping
Annual wardrobe budget
Medical / Dental
Copays, prescriptions
🚗 Step 4: Car Affordability Optional
🎯 Step 5: Savings Goals Optional
YOUR FREE MONEY EVERY MONTH
$0
📊 50/30/20 Budget Check
Rule: 50% needs · 30% wants · 20% savings. Based on take-home pay.
🚗 Your Car Budget
BASED ON YOUR INCOME & FREE MONEY
The 20/4/10 rule: 20% down, max 4yr loan, total car costs under 10% of gross income
🎯 Your Savings Goals Timeline
📅 Annual Expense Breakdown
💡 Your Personalized Money Tips