› STEP 03 / 05

Let's build
your budget.

Most people have never built one — so we're starting with a framework that works: the 50/30/20 rule.

⚡ THE 50/30/20 RULE
Of every take-home dollar: 50% to Needs (rent, groceries, utilities), 30% to Wants (dining, entertainment, hobbies), 20% to your Future (debt payoff, savings, investing). Adjustable to match your goal.
› Monthly take-home pay
GOAL-TAILORED › You picked "All of it" — we've shifted 10% from Wants to Future to get you moving faster on debt + savings.Adjust anything below if it doesn't feel right.
› YOUR STARTING SPLIT
RECOMMENDED: 50 / 20 / 30
50%
20%
30%
NEEDS
Rent · utilities · groceries · insurance · transit
%
$2,600/mo
WANTS
Dining · entertainment · hobbies · shopping
%
$1,040/mo
FUTURE
Debt payoff · emergency fund · investing
%
$1,560/mo
› ALLOCATION
100%LOCKED IN

Don't overthink it. This is a starting point — we'll refine everything once we see your real transactions.

Show Me The Cost →