Add your income and expenses, see exactly where your money goes, and find out how much you have left over each month.
Start by entering your monthly income sources in the Income section. Then fill in your expenses across the pre-loaded categories — Housing, Transportation, Food, and so on. You can edit any label, add new rows to any category, or delete rows you don't need. The totals and savings rate update automatically as you type.
The 50/30/20 rule is a simple budgeting framework: spend 50% of your after-tax income on needs (rent, groceries, utilities), 30% on wants (dining out, entertainment, hobbies), and save or put 20% toward debt. Our budget planner automatically categorizes your expenses and shows you how close you are to these targets.
Most people find the biggest savings in subscriptions, dining out, and impulse purchases. Go through your last three months of bank statements and look for recurring charges you've forgotten about. Canceling just two or three unused subscriptions can free up $30–$100 per month — which adds up to $360–$1,200 per year toward savings or debt.