How To Use This Planner

This planner gives every dollar of your take-home pay a job, split across three buckets. The summary bar at the top always shows where things stand.

On the Income tab, add each source of take-home pay with how often it arrives. Everything is converted to a monthly figure automatically.

Recurring obligations already in place: debt, insurance, taxes, utilities, and other bills. For debts, enter the monthly payment, balance owed, and interest rate. Categories collapse so you can focus.

Variable spending you control, tracked weekly (with the monthly equivalent shown). Create more than one bucket if you want to split spending — for example by person or by category.

Savings goals grouped by time horizon: Next 12 Months, 1–5 Years, and 5+ Years. Note the goal and the account it lives in.

Remaining = Take-Home − Fixed − Flexible − Future. Green means every dollar is accounted for with room to spare; red means you've allocated more than you bring in — adjust a bucket.

Save Plan downloads a file you can reload later with Load Plan. Download Excel exports a formatted, branded spreadsheet of the whole plan.

Compare Plans

Compare summary allocations between two saved plans. Percentages are of each plan's monthly take-home.