Free Money Snapshot

Six numbers. One clearer picture.

Estimate your monthly breathing room, current savings pace, debt-payment load, and emergency runway. Your entries stay on this device unless you sign in and choose to save them.

Private by defaultNo bank connection required

Monthly money in and out

Use after-tax income and a normal month.

Take-home income

Essential and fixed costs

Housing, utilities, groceries, insurance, and transportation.

Flexible spending

Minimum debt payments

Savings and cash cushion

Use what you are actually saving now.

Monthly savings

Emergency cash available

Entries are saved only on this device.

How to read this

A snapshot is a starting point, not a grade.

Breathing roomIncome remaining after the spending, debt, and saving amounts you entered.

Emergency runwayAvailable emergency cash divided by essential costs and minimum debt payments.

Debt-payment loadMinimum debt payments as a share of take-home income. It is not a lender’s DTI calculation.