💰 Budget & Savings

Enter your monthly income and expenses to see your savings rate against studied benchmarks, a 50/30/20 breakdown, where your money goes, and how fast you could be debt-free. Everything is computed locally in your browser from cited rules — no numbers are guessed, nothing is sent to a server.

Income

Monthly take-home income (after tax)

Monthly gross income (optional — pre-tax, for the housing/debt rules)

Current emergency savings (optional — for months-covered)

The 50/30/20 split and savings rate use take-home. The 28/36 housing rule and debt-to-income are defined on gross — add your gross above to measure those correctly; otherwise they fall back to take-home (and read a little high).

Monthly expenses

Goals & sinking funds save a set amount toward a target by a date

Sinking funds turn big irregular costs (holidays, car repairs, insurance) into a small, steady monthly set-aside so they never blow up your budget.

Debt payoff planner what-if — not counted in the budget above

DebtBalanceAPR %Min / mo

Extra toward debt / mo

Add a debt to model a payoff plan. Avalanche minimizes interest; snowball clears small balances first for momentum.