Comprehensive Budgeting Tool

Choose from proven budgeting frameworks and create a personalized budget that aligns with your financial goals and lifestyle.

Choose Your Budgeting Framework

50% Needs, 30% Wants, 20% Savings/Debt

Best for: Beginners seeking balance

Allocation: 50% Needs, 30% Wants, 20% Savings

Every dollar assigned a purpose

Best for: Users who want granular control

Allocation: Custom allocation to zero

Save first, spend what's left

Best for: Financial independence enthusiasts

Allocation: Savings first, flexible spending

Fixed category limits (digital or cash)

Best for: People needing discipline and spending awareness

Allocation: Fixed spending limits per category

70% Needs/Wants, 20% Savings/Debt, 10% Giving

Best for: Those who value simplicity & generosity

Allocation: 70% Living, 20% Savings, 10% Giving

Customized by personal values (e.g., health, family, travel)

Best for: Users wanting emotional alignment with money

Allocation: Aligned with personal priorities

Enter your monthly take-home pay (after tax and super)

Framework	Income Allocation	Best For	Key Feature
50/30/20 Rule	50% Needs, 30% Wants, 20% Savings	Beginners seeking balance	50% Needs, 30% Wants, 20% Savings/Debt
Zero-Based Budgeting	Custom allocation to zero	Users who want granular control	Every dollar assigned a purpose
Reverse Budgeting	Savings first, flexible spending	Financial independence enthusiasts	Save first, spend what's left
Envelope System	Fixed spending limits per category	People needing discipline and spending awareness	Fixed category limits (digital or cash)
70/20/10 Rule	70% Living, 20% Savings, 10% Giving	Those who value simplicity & generosity	70% Needs/Wants, 20% Savings/Debt, 10% Giving
Value-Based Budgeting	Aligned with personal priorities	Users wanting emotional alignment with money	Customized by personal values (e.g., health, family, travel)