Monthly income
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Total spending
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Surplus / deficit
—
Monthly income
After tax / take-home
Salary / wagesRegular employment income after tax
Freelance / side incomeConsulting, gigs, self-employment
Passive incomeDividends, rent, royalties
Other incomeBenefits, transfers, other sources
Enter your monthly take-home amounts: after tax and mandatory deductions. Use the Spending tab to enter where it goes.
Needs
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Rent / mortgageMonthly housing payment
Utilities & internetElectricity, water, gas, broadband
Groceries & householdFood shopping, cleaning supplies
TransportFuel, commute, car costs, transit pass
InsuranceHealth, car, home, life insurance
Minimum debt paymentsCredit card minimums, loan payments
Wants
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Dining & takeawayRestaurants, coffee, food delivery
Entertainment & leisureMovies, events, activities, sport
Subscriptions & streamingNetflix, Spotify, apps, memberships
Shopping & clothingClothes, shoes, home goods, gadgets
Personal care & wellnessHaircut, gym, skincare, supplements
Hobbies & travelGear, trips, courses, other discretionary
Savings & investments
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InvestmentsETFs, stocks, index funds, crypto
Retirement contributions401k, pension, RRSP, CPF top-up
Emergency fundCash savings buffer, rainy day fund
Other savings goalsHouse deposit, education fund, travel
Budget alignment score
—
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Enter your income and spending to see your score
Framework
Needs / Wants / Savings
50/30/20
Classic rule
60/20/20
High-cost cities
70/20/10
Low savings rate
Custom
Set your own
The framework defines your target allocation. Your audit score measures how closely your actual spending matches it.
Monthly surplus
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Spending rate
—
of income spent
Allocation breakdown
% of monthly income
Needs 0%
Wants 0%
Savings 0%
Unallocated 100%
Needs
—
Target —
—
Wants
—
Target —
—
Savings
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Target —
—
Top spending categories
By absolute value
No spending data yet.
AI budget brief
AI
Fill in your income and spending first. The AI reads your full allocation: needs, wants, savings, surplus, framework alignment: and returns four sections: budget health, where you're off, your biggest win, and one thing to do this month.
AI · Budget audit
What the AI reads
Monthly income breakdownSalary, freelance, passive, other
✓
Every spending line itemAll 16 categories across needs / wants / savings
✓
Framework alignmentActual % vs target %, deviation per bucket
✓
Surplus / deficitUnaccounted income and spending rate
✓