Personal Finance Planner

Go beyond a monthly budget and review net worth, debt pressure, and how many months your emergency savings can cover.

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Finance workflow

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Plain-language guide

A budget is a plan for monthly cash flow

Split take-home income across fixed costs, flexible spending, debt, and savings. Convert annual bills to monthly amounts and keep emergency savings separate.

Financial snapshot

$0.00

manage_searchReview needed

account_balance_walletMonthly free cash

$0.00

savingsSavings rate

credit_scoreDebt payment ratio

monitoringNet worth

$0.00

health_and_safetyEmergency runway

0.0 months

calendar_monthProjected yearly buffer

$0.00

Monthly cash flow

Use monthly take-home income, not annual gross salary.

Currency

Monthly take-home income Fixed costs Flexible spending Monthly debt payment Monthly saving goal

Assets and debt

Liquid savings Investments Total debt balance Target emergency months

Compare with 50·30·20

Needs & debtCurrent 0% · Reference 50%

Flexible wantsCurrent 0% · Reference 30%

Saving & investingCurrent 0% · Reference 20%

Recommended next actions

1Emergency savings are below target. Automate part of free cash into a separate reserve account.
2The savings rate is below 15%. Increase automatic saving gradually, starting with a manageable amount.

Quick start

Financial planning notice

This tool provides reference estimates only. Do not use it as the sole basis for lending, repayment, investment, tax, or contract decisions. Confirm the result with your lender, official documents, or a qualified professional before acting.

Before you start

check_circleUse monthly take-home income, not annual gross salary.
check_circleConvert annual bills to monthly amounts and avoid counting card purchases twice.

Results are planning estimates and do not replace investment, lending, tax, or financial advice.