Simple on purpose.
We start with cash savings, subtract expenses due now, then apply your monthly income, spending, and scheduled big expenses. The first month at or below $0 is the answer.
Three basics in. Add upcoming expenses if needed. One month out—no budget categories, dashboard, or pep talk.
Enter monthly income, monthly spending, and cash savings. We will do the rest.
The paid planner will cover side-by-side cuts, income changes, and delayed expenses.
We start with cash savings, subtract expenses due now, then apply your monthly income, spending, and scheduled big expenses. The first month at or below $0 is the answer.
Compare a lower-spending plan, a higher-income plan, or a one-time expense side by side with your baseline.