Budget Audit · Framework Comparison · AI Brief

✦ AI

Stop Guessing Where Your Money Goes.

Enter your income and spending across 16 categories. See your actual Needs / Wants / Savings split against your chosen framework. Get an alignment score, identify your biggest overspend, and get an AI brief that tells you exactly what to cut.

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50/30/20 · 60/20/20 · 70/20/10 · Custom · 10 currencies

Most people think they know where their money goes. They're wrong by 20–30%. A budget audit takes 5 minutes and usually reveals one category that's quietly wrecking everything else.

Built for you if…

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You earn a decent income but don't know where it all disappears to each month

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You've heard of the 50/30/20 rule but have never actually checked if you follow it

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You want to save more but can't work out what to cut without guessing

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You track spending in apps but never look at the overall picture

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You want AI to cut through your numbers and give you a direct answer

Sound familiar?

Most people hit at least three of these before they realise what's missing.

You have no idea what percentage of income goes to each category.

You know roughly what you spend. But "roughly" is not a budget. Until you see Needs at 67% of income and Savings at 4%, the problem is invisible. Making it visible is the whole job.

Rules like 50/30/20 are useless without your actual numbers plugged in.

Everyone knows the 50/30/20 rule. Almost nobody has actually run their numbers through it. The framework only works when you see your deviation — which category is 12 percentage points over target and pulling everything else out of shape.

You track spending but never audit the allocation.

Knowing that you spent 400 this month on dining is not an audit. Knowing that dining represents 8% of your income and your wants bucket is already at 42% — that's an audit. The number only means something in context.

"Cut back on spending" is advice with no target.

Which category? By how much? What's the actual impact on savings? Generic advice fails because it skips the numbers. An audit gives you a specific answer: needs is 3pp over, the surplus is 180/month, move it to investments.

How it works

Enter your monthly income

Salary, freelance, passive, other. The total becomes the denominator — every spending percentage is calculated against it.

Enter every spending category

Six needs (housing, utilities, groceries, transport, insurance, debt), six wants (dining, entertainment, subscriptions, shopping, personal, hobbies), four savings categories. Every number updates the audit in real time.

Read your audit and get your brief

Choose your framework — 50/30/20, 60/20/20, 70/20/10, or custom. See your alignment score, bucket deviation, surplus, and top spending list. Hit AI Coach for a four-section brief pinpointing your biggest lever.

Preview

A sneak peek at the interface. Subscribe to unlock the full interactive tool.

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Budget Allocation Auditor

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What you get

Included in all subscription plans. Subscribe once, access all 17 products.

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Alignment score0–100 · live

Measures deviation between your actual bucket percentages and your chosen framework target. Updated live as you type.

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Framework comparison50/30/20 · Custom

4 frameworks: 50/30/20, 60/20/20, 70/20/10, and fully custom. Custom lets you set your own needs/wants/savings target split.

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Stacked allocation bar% of income

Visual breakdown of your actual Needs / Wants / Savings / Unallocated as a share of monthly income.

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Per-bucket deviation±pp from target

Each bucket shows actual %, target %, and how many percentage points over or under you are. Over / under / on-target flags.

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Top spending categories16 line items

Ranked list of all non-zero categories by absolute spend. Shows amount and % of income per line.

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AI budget brief4-section analysis

Reads every income and spending line. Returns: budget health, where you're off, your biggest win, this month's action.

Most people think they know where their money goes. They're wrong by 20–30%. A budget audit takes 5 minutes and usually reveals one category that's quietly wrecking everything else.

Subscribe and unlock all 17 products — fitness, finance, career, and lifestyle tools — synced across every device.

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Frequently asked

50/30/20 is the standard — 50% needs, 30% wants, 20% savings. It works well for average cost-of-living areas and mid-range incomes. 60/20/20 suits high-cost cities like London, Singapore, or Sydney where housing costs push needs up. 70/20/10 is for periods of constrained income or heavy debt repayment. Custom lets you set your own targets if your situation doesn't fit a preset.