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Budget Tracker
Tracking your spending is one of the fastest ways to build wealth. Research shows people who track their expenses save an average of $650+ per month. Enter your income, list what you spend, and see exactly where your money is going.
Monthly Income
Enter your monthly income (not yearly). Include all sources — paycheck, side hustle, freelance, etc.
Fixed Expenses
Rent, utilities, subscriptions, insurance — things that happen every month regardless.
Variable Expenses
Groceries, gas, dining out, entertainment — things you can control and adjust.
Monthly Savings Goal
Where Your Money Goes
Quick Frameworks
The 50/30/20 rule. A classic starting point: 50% of income on needs (fixed expenses + essentials), 30% on wants (variable spending), 20% on savings and debt payoff. Adjust to your situation.
Pay yourself first. Move money to savings the day you're paid — before bills, before spending. If it's still there after expenses, you're not saving, you're leaving scraps.
The 24-hour rule. Wait 24 hours before any non-essential purchase over a threshold you set ($50, $100). Most "wants" fade within a day.
Small leaks sink big ships. That $6 coffee every workday is $1,500/year. That $15 streaming service you don't use is $180/year. Audit the small stuff.