Tap a slice to pick a category. Tap closer to the edge the more fully you're buying it today.
Every change that keeps money in the family: a plan you cancel, a habit you swap. Add what it saves a month if you know it, and check it off when it's done.
Source: U.S. Bureau of Labor Statistics, Consumer Expenditure Survey 2024 (all households, and households of five or more people). Your lines are grouped into the BLS categories automatically, so treat each row as approximate.
Read top to bottom. Tap a category to see and change its items. Everything else calculates.
Assets can pay for a life forever if you draw about 4% a year. So the freedom number is the yearly lifestyle ÷ 4%. The investing line is what you'd put in each year, growing at 7%, to reach that number in the years you set. At 15 years it comes out to about $1 invested for every $1 spent. That's the whole rule.
An equity payout from OWE or a software company could replace this line. Taxes are one blended placeholder rate. Check both with a CPA or financial advisor. I'm not one.
What a kid or the company owes you, or you owe them, and what it's for. Charges you mark "owes me" (in For who or Budget) land here on their own. Record each transfer and it comes off the balance. When the money shows up in the bank, it's matched to the transfer you recorded; or pick "paid me back" in that bank line's Budget box.
What each kid earns or gets, and where it came from: allowance, chores, birthday money, a job. Bank deposits you mark as income for a kid show up here too, and so does any bank charge you mark as their allowance.
What have I bought with my time and money this year? The last decade? The last two decades?
Three 5-minute sessions a day: morning, midday, evening. Tick each one when it's done.
One walk through the 10 categories, in order. The hints for days 1–2 come from these lines. Rewrite them in your own words; your words stick better than mine.
Five questions for any job, deal, relationship or commitment. 1 = no, 5 = clearly yes.
A copy of everything is kept once a day and before every import, restore or update. Restoring brings back budgets, settings and that month's transactions; it saves your current version as a restore point first.