Cashflow & Zero-Based Budget

Your savings rate is your freedom velocity. Enter your income and what you spend, and this reads the one number most budgeting apps bury: the share of every dollar you keep. Every figure is calculated from what you type.

Your income streams

Stream 1 amount ($)How often

Stream 2 amount ($)How often

What went out

This month's spending ($)What you spent this month, not counting money moved between your own accounts.Auto-invest transfers ($)Money you routed to your own investment accounts. Still savings — just already assigned.

Give every dollar a job

Zero-based budgeting assigns all of your income to a category until nothing is left unassigned. Your envelopes must add up to your monthly income exactly, or the gap is flagged below.

Envelope 1Amount ($)

Envelope 2Amount ($)

Envelope 3Amount ($)

Enter your income above to check your envelopes against it.

This tool is for educational and personal planning purposes only. It is not financial, tax, or investment advice. Every figure is calculated from the numbers you enter — your own income, spending, transfers, and savings. Consult your own financial professional before acting.

Want the balance sheet these numbers sit on? Map it in the Net Worth Tracker.