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Life Setup Guide

A planner, not a personal assessment

First-budget planner

Allocate monthly take-home income, not gross pay. All figures should cover the same month. Negative leftover means the plan needs adjustment.

Use USD amounts for one consistent period. Blank fields are not guessed; type zero for a category that does not apply.

Here's your starting point

Add your figures, then build your plan.

What this planner does

Planned allocation is the sum of all entered expense and savings categories. Leftover = take-home income − planned allocation. Savings is an allocation, not an expense paid to a merchant. Annual bills should be converted to monthly reserves by you; no category is automatically added.