Step 1 · Monthly Fixed Expenses
These are expenses whose amounts are exactly the same, or pretty much the same, each month. If an expense doesn't apply to you, skip it or type over it with something else.
💡 Tip: Round all amounts to the nearest dollar. For example, enter $47 instead of $46.73.
Step 2 · Monthly Variable Expenses
These are expenses whose amounts fluctuate each month. The goal is to treat the total of your variable expenses as a fixed expense!
💡 Tip: Round all amounts to the nearest dollar. Use your best estimate — you can always update it later.
Step 3 · Monthly Net Income (After Taxes)
If you're on a bi-weekly pay schedule, budget based on 2 pay periods per month.
Step 4 · Monthly Savings
Keep track of your separate savings goals here.
💡 Tip: Round all amounts to the nearest dollar. For annual expenses, enter the full yearly amount and the monthly amount will be calculated automatically.
Step 5 · Monthly Recap
Here's a summary of your complete budget picture.
Step 6 · Next Steps — Account Allocation
Here's how to distribute your money across your bank accounts each month.
| Bank Account | Monthly Amount | % of Income | Every 2 Weeks |
|---|---|---|---|
| Checking Account 1: Fixed Expenses | $0 | — | $0 |
| Checking Account 2: Variable Expenses | $0 | — | $0 |
| Savings Account | $0 | — | $0 |
| Totals | $0 | — | $0 |
Weekly Variable Expense Tracker
Track your actual spending week by week. The 4 columns automatically build 7-day spending periods starting from your last paycheck — and rotate forward as time passes, so this tracker is always current.
Why do we ask for this? Your weekly spending periods are anchored to your paycheck date. By entering the date you last got paid, the 4 columns below will each represent one 7-day period starting from that date. The current week is highlighted in green. As each week passes, the highlight moves forward automatically. You only need to update this date when you receive your next paycheck. You can also enter a future paycheck date to plan ahead for your next pay period.
Budget Snapshot
Visual summary of your monthly budget.