Get started · Plan
Plan for today and later.
Choose only the categories that your household needs. You can add or remove a category at any time.
Category prompts
Brainstorm your first list.
These are prompts, not requirements. Start with a short useful list and add categories when real life shows you need them.
01IncomeList the money that you expect to receive.
- Paychecks
- Benefits
- Child support received
- Pension or retirement income
- Side work
- Other regular income
02HomeStart with the costs that keep your home safe and working.
- Rent or mortgage
- Property tax
- Home or renters insurance
- Homeowners association fee
- Electricity
- Water and sewer
- Gas, oil, or propane
- Trash and recycling
- Internet
- Phone
- Repairs and maintenance
- Household supplies
- Furniture or appliances
- Lawn care or pest control
03FoodKeep food at home separate from optional meals out.
- Groceries
- Work or school lunches
- Restaurants
- Takeout or delivery
- Coffee and snacks
- Food for guests
04TransportationInclude regular costs and future repairs.
- Car payment
- Fuel
- Public transit
- Parking and tolls
- Rideshare or taxi
- Routine maintenance
- Repairs
- Tires
- Registration and inspection
- Vehicle tax
- Bicycle maintenance
05Health and insurancePlan for care, premiums, and costs that insurance does not pay.
- Health insurance
- Dental insurance
- Vision insurance
- Auto insurance
- Life insurance
- Disability insurance
- Doctor visits and copays
- Prescriptions
- Dental care
- Vision care and glasses
- Therapy or counseling
- Medical supplies
- Over-the-counter medicine
- Insurance deductibles
06Family, school, and petsAdd only the lines that apply to your household.
- Childcare
- Child support paid
- School costs
- Sports and activities
- Family support
- Pet food
- Pet medicine
- Veterinary care
- Pet grooming or boarding
07DebtGive each required payment its own clear line.
- Credit cards
- Student loans
- Medical debt
- Personal loans
- Other required payments
08Personal and funPlan this spending. Do not hide it in another category.
- Clothes and shoes
- Haircuts
- Toiletries
- Personal spending
- Subscriptions
- Streaming services
- Date nights
- Trips
- Books or games
- Hobbies
- Sports or events
- Gifts and birthdays
09Work, giving, and feesThese costs are easy to miss.
- Work clothes or tools
- Professional dues
- Career development
- Giving
- Legal obligations
- Income tax not withheld
- Bank fees
10Savings and future costsSave a small amount each month for known future costs.
- Emergency fund
- Retirement
- Home repair fund
- Car repair fund
- Medical buffer
- Annual bills
- Holidays and gifts
- Travel
- New car
- Home deposit
- Replacement items
- Cash buffer
Known future costs
Save a little each month.
Use a sinking fund for a known cost. Name the cost and the date.
Total cost÷Months left=Monthly amount
Example: $600 car insurance ÷ 6 months = $100 each month.