Your Budget
Auto-saves as you type. Come back any time — your numbers stay with you.
Net WorthStep 1 of 4
Your Net Worth Right Now
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Enter your numbers below.
Assets (what you have)
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Total Assets
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Liabilities (what you owe)
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Total Liabilities
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Monthly Cash FlowStep 2 of 4
Income and expenses for a typical month. Net income is what hits your bank account after taxes.
Monthly Income
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Total Monthly Income
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Fixed Expenses (same every month)
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Total Fixed
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Variable Expenses (changes month to month)
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Total Variable
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Total Income
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Total Expenses
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Surplus / Deficit
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Debts & Payoff StrategyStep 3 of 4
List each debt with its APR. The tool flags high-interest debt (anything 15% or higher) and suggests a payoff order.
TGW 50/30/20Step 4 of 4
Target vs. actual. 50% needs · 30% investments · 20% wants. Investments come BEFORE wants — that's the TGW twist.
50% · Needs
Survival
Target$0
Actual$0
Gap$0
30% · Investments
Future Self
Target$0
Available$0
Gap$0
20% · Wants
Guilt-Free
Target$0
Actual$0
Gap$0