Where It Goes — a private household spending diagnostic

Step 1

Enter your household's real monthly numbers. It updates live as you type. Everything stays on this device — no account, no upload, no server.

Your household

Combined monthly take-home Net pay, both of you, per month. This is the base for everything. $

Very-high-cost metro SF, NYC, etc. — widens the housing & transport ranges so geography isn't penalized. Variable income Bonus, RSUs, self-employed — pushes the emergency-fund target higher. Dependents Also raises the emergency-fund target.

Current savings / investing What you already put away each month. $

Emergency fund balance Cash on hand today. Leave blank if unsure. $

Unmatched 401(k) match Employer match you're leaving on the table, per month. $0 if you already capture it all. $

Where it goes — monthly

Pull up your accounts and fill in what you can. Enter yearly things (travel, some insurance) as the year ÷ 12. Blank ≠ zero — leave it blank if you haven't looked yet.

Debts (optional)

Only what carries a balance. Minimums are already in your categories above; this is for the payoff plan.