Budget tool
Convert your take-home pay into monthly buckets and per-paycheque funding targets.
Example buckets: rent or mortgage, groceries, utilities, transportation, debt, emergency fund, annual expenses, subscriptions, and personal spending.
Enter the take-home amount you know and choose its frequency. Add monthly targets for fixed bills, variable spending, debt, and savings. The planner converts income to a monthly estimate, checks whether the buckets fit, then splits each bucket into a per-paycheque target.
If the buffer is negative, the buckets are asking for more than the converted monthly income. Change one amount and run the planner again to see the allocation bars and per-paycheque targets update.
Use fixed bills for bills that must be ready before their due dates. Use variable spending for flexible weekly categories. Use savings goals for emergency fund, annual expenses, and sinking funds. A healthy buffer gives you room for irregular costs that do not fit neatly into a category.