Subscription stack
Track recurring bills, monthly and yearly burn, and what share of take-home they eat.
Your subscriptions
50/30/20 split
The starter budget. 50% needs, 30% wants, 20% savings and debt payoff. Enter your take-home to see your targets.
A guideline, not a law. High cost-of-living cities often run closer to 60/20/20.
Your monthly targets
Budgeting module →Paycheck sanity check
Subtract pre-tax deductions, apply an effective tax rate, and see net pay — quick estimate, not a payroll engine.
Stays in investments/benefits — not spendable cash.
Estimated net / mo
$0
Applies an effective tax rate to your post-pre-tax income — not a payroll calculation.
Take-home $0
Taxes & benefits $0
Pre-tax $0
Emergency fund timer
Goal, what you have now, and what you add monthly — months to the finish line.
Progress
0% of goal · — to go
~— at this pace
Excludes interest — measures contribution pace to a fixed goal.
Milestones at this pace
Most people sleep better at one month saved than at zero, then stretch toward three to six months of must-pay bills.
Budgeting module →Rent vs buy (monthly)
Mortgage payment + tax + insurance vs rent — closing costs and appreciation not modeled.
Rough monthly carry
$0
Mortgage + tax + ins
vs rent $0
—
Compares core monthly cost — excludes PMI, deductions, moving costs, and price changes.
Rent vs buy module →APR bleed clock
Estimated monthly interest if you revolve a balance — simple APR÷12 approximation.
Interest drift
About $0.00 / month · $0.00 / year
Payoff planner
See months to $0 and total interest — fixed payment or a shrinking-minimum model.
Time to $0
—
Interest paid
—
Principal + interest
—
Balance trajectory
Fixed-balance amortization — excludes new charges, fees, and promo rates.
Credit module →Investment growth calculator
See how compound interest turns regular contributions into real wealth over time.
Your projected outcome
Final value
—
Total contributed
—
Interest earned
—
Balance over time
Assumes a constant rate, monthly compounding, and no taxes or fees.
Investing module →Drawdown stress test
Volatility is the feature — sizing is the homework.
Rough dollar hit
$0
Estimates dollar exposure if crypto drops by the chosen percentage.
If crypto falls this far
For scale: Bitcoin fell about 73% in 2018 and about 64% in 2022. Both took years to recover.
Open crypto foundations →Net worth
Everything you own minus everything you owe. The one number that tracks real progress.
Net worth
$0
$0 owned minus $0 owed