Spend & Save Planner · Free

Enter your monthly take-home pay. See where every dollar should go.

Take-home pay is what lands in your bank account after taxes. Pick a split, type in any real amounts you know, and see when you'll reach your savings goals.

Showing an example of $4,000 a month. Type your own number.

Monthly take-home pay

Choose a split

Know a real amount, like your rent? Type it in. The rest of that group adjusts around it.

Fair share of shared bills

Split by income, not 50/50

Each partner pays the same percentage of their own take-home pay, so shared bills feel fair to both.

Share wants too (eating out, trips, fun)

	Partner 1	Partner 2
Pays toward needs
Share of their pay
Left for themselves

At a glance

Savings timeline

Saving $800 a month, you'd reach…

My own goal

Counts only what you put away each month, starting next month. Interest or investment growth would get you there sooner.

Your savings rate

20%

Pay yourself first. Move savings out on payday, before you spend.
Automate it so you don't have to remember.
Housing is the big one. Try to keep it near 30% or less.
Adjust the lines to fit your life, but don't skip saving.

Next step

See your whole picture in 10 minutes

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