The free budget template that does the math.

Enter your take-home pay, give every dollar a job, and see if your plan lands at exactly zero. It's the same spreadsheet we use in every video.

• Monthly budget with needs, savings & debt, and wants
• Automatic zero check: "Every dollar has a job"
• Your real split vs. the 50/30/20 guideline
• A worked example: a $3,800/month paycheck