Enter all sources of income including salary, bonuses, side hustles, and passive income. Be sure to select the correct frequency for each income source (monthly, bi-weekly, or weekly).

Tip: If you have irregular income, use an average of the last 6 months.

Include all housing-related expenses: rent or mortgage, property taxes, homeowners insurance, utilities (electric, water, gas), internet, cable, and maintenance costs.

Tip: For annual expenses like insurance, divide by 12 for monthly amount.

Include all transportation costs: car payments, auto insurance, fuel, maintenance, repairs, parking fees, tolls, and public transportation costs.

Tip: Estimate maintenance at $100/month per vehicle if unsure.

Include all daily living costs: groceries, dining out, clothing, personal care, entertainment, subscriptions, and hobbies.

Tip: Review bank statements to find forgotten subscriptions.

Add all health-related expenses: insurance premiums, out-of-pocket medical costs, prescriptions, dental, vision, and gym memberships.

Tip: Don't forget occasional expenses like glasses or dental work.

Include all debt payments: credit cards, student loans, personal loans. Also include savings goals: emergency fund, retirement, vacations, etc.

Tip: Pay minimums on all debts, then focus extra on highest interest first.

Analyze your net balance (income minus expenses) and savings rate. The pie chart visually shows your spending distribution.

Tip: Aim for at least 10-20% savings rate for financial health.

Use the insights to identify areas for improvement. Can you reduce dining out? Negotiate bills? Increase income? The savings tips will guide you.

Tip: Small changes add up - saving $5/day = $150/month!

Take a screenshot or print your budget. Set calendar reminders to update it monthly with actual numbers to track your progress.

Tip: Create separate budgets for different months if expenses vary.