Log your real income and expenses. We'll show you how far you are from a healthy rule and what to do about it.
Rule to compare against
Income
Expenses by category
Fill in your income and expenses to see your diagnosis.
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It's not a law — it's a starting point. If you live in an expensive city or carry significant debt, your "needs" percentage can legitimately be higher. Use the rule as a reference, not a strict limit.
A need is something you'd pay even in a hard month (rent, basic groceries, commute to work). A want is anything you could cut without threatening your stability (streaming, going out, non-essential purchases).
Once a month is enough for most people — it matches your income cycle and lets you adjust before a spending pattern gets out of hand.