Tools · Monthly money

See where the month is already spoken for.

Break take-home income into housing, essentials, debt commitments, flexible spending and goal saving. The point is visibility — not judging how you choose to spend.

Essentials are personal.

Use the categories to create a useful picture, not to fit someone else’s idea of what you “should” spend.

A negative number is a prompt, not a diagnosis.

If commitments are consistently higher than income, reviewing the budget or getting appropriate debt support may matter more than adding borrowing.

Give spare cash a job.

An unallocated amount can become emergency savings, a named goal, debt reduction or simply deliberate flexible spending.

This is a simple budgeting/planning tool. It does not model tax, benefits, irregular income, annual costs, debt interest or financial-product suitability. Figures are kept on this device unless you later choose account sync.