Fast setup

Build your Current plan.

Add only what matters. Flexible spending can stay broad, and every section remains editable later.

0 of 5 money sections started
Changes recalculate immediately in this local session.
1

Income

Take-home pay is required. Gross pay is optional and only used for standard DTI.

No income sources yet.Add jobs, freelance income, or a manual take-home amount.
2

Recurring costs

Housing, utilities, subscriptions, insurance, and other repeating bills. Debt belongs in the next section.

No recurring costs yet.Start with the bills that happen whether you think about them or not.
3

Debts

Balances, rates, and required payments. These payments are never counted again as recurring costs.

No debts entered.Skip this if you have none. That is allowed. Encouraged, even.
4

Flexible spending

Optional broad monthly budgets such as groceries, gas, or dining out. Detailed categories are not required.

This section is optional.Add a few broad limits only if they help you see the real remainder.
5

Savings and transfers

Planned transfers are subtracted from remainder. Safe-to-sweep is calculated separately from your operating floor.

No planned transfers.Optional now; the dashboard still shows what may be safe to sweep.
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Review

Current estimated remainder

$0

This guest plan exists only in the live session and becomes unrecoverable when that session is lost.