Budget & Cash Flow Calculator
Financial Tools · See what you can save and afford monthly.
Your money. Your next move.
Know what’s left
before you commit.
A new home, a stronger emergency fund, or less debt starts with one number: what you have left each month. Bring your income and bills together to see what your next goal could realistically cost.
Have a recent pay stub and your monthly bills handy. Estimates are a fine starting point.
Money coming in
Start with take-home pay and other dependable monthly income.
Money going out
Include bills, everyday spending, and your regular debt payments.
Your next move
Compare a change in spending or income before setting a savings goal.
Why bother?
Top ten reasons you need a budget
Tap any reason to open it.
01Your dreams get a date+
A goal without a number and a deadline is a wish. A budget turns “someday” into a monthly amount and a month on the calendar.
02You stop wondering where it went+
Most families lose hundreds each month to spending they never chose on purpose. Seeing it is the first step to redirecting it.
03Debt gets an end date+
Paying only the minimum can keep a balance alive for years. A budget puts a planned extra payment on top, so you know the month you’ll be free.
04Emergencies stop becoming crises+
A car repair or a medical bill is an inconvenience with savings — and a new credit card balance without them.
05You can say yes with confidence+
Vacations, a new car, a home: when it’s in the plan, you enjoy it without guilt because you know it’s paid for.
06Goals stop competing in secret+
Without a plan, reaching one goal usually means something else quietly didn’t get paid. A budget shows the trade-offs before you make them.
07Homeownership becomes real+
Down payment, closing costs, and a payment you can carry — a budget tells you how much house your life can afford, and when.
08Your household gets on the same page+
A shared plan replaces money arguments with shared decisions about what matters most.
09Wealth is built on what’s left+
Investing, retirement, and generational wealth all start with the same thing: money left over each month, on purpose.
10Peace of mind+
Knowing your numbers replaces worry with control. You sleep better when you know the plan works.
What you walk away with
Your goals for the next 12 months, the monthly amount each one needs, which goals your budget can carry today, and a printable plan for the rest.
Before you begin: what to include +
Use monthly amounts. Start with income after taxes. Include rent or mortgage, utilities, groceries, transportation, subscriptions, and loan or card payments in expenses.
Don’t count a bill twice. The debt list tracks payment amounts and due dates; it does not subtract them again from your net. Include those regular payments in expenses too.
Read what’s left. Net is income minus expenses. It is the starting point for saving or a new commitment, not a guarantee that every dollar is available.
Turn the result into a plan. Try a spending adjustment, set a dated goal, or take a printable report to your advisory conversation. Your budget stays saved in this browser.
Income
Every source. Be honest about what's actually consistent.Income Sources
| Source | Category | Amount ($) | |
|---|---|---|---|
Expenses
Group by category so you can see what to cut.Expense Line Items
| Item / Vendor | Category | Amount ($) | |
|---|---|---|---|
Recurring Debts & Due Dates
Loans, cards, subscriptions. Tracks what's overdue.Obligations Calendar
| Creditor | Type | Monthly ($) | Next Due | Status | |
|---|---|---|---|---|---|
| No obligations tracked yet. Click "+ Add Obligation" below. | |||||
Visualization
Updates as you type.Spending by Category
Income vs Expenses
Top 5 Expense Categories
Scenario Planner
What-if modeling. Sliders don't change your actual budget.Adjust the Levers
Current vs Scenario
AI Budget Advisor
Recommendations use your budget and current scenario.Your Goal or Concern
Tip: add income and expenses first for tailored advice.
Recommendations
Describe a goal and you'll get specific adjustments based on your numbers.
Cash Flow Reading
- Add some income and expenses to see your cash flow analysis.