The Money Friend

The Honest Budget Audit

Link-free budget estimator: enter spending by category → see where you actually stand vs benchmarks. No bank connection needed.

The Honest Budget Audit

Where is your money actually going?

$
$0$30,000

After taxes -- the amount that actually hits your bank account

$
$0$10,000
$
$0$2,000

There's some work to do, but you're not in crisis

Here's what I'd tell a friend

You're saving only 9% of your income. Getting to 20% could mean an extra $6,600 per year working for you.

Monthly surplus/deficit

+$1,075

Unaccounted money -- add it to savings!

Needs: 59% of income

$2,950

Target: 50% ($2,500) (over target)

Wants: 11% of income

$525

Target: 30% ($1,500) (on track)

Savings: 9% of income

$450

Target: 20% ($1,000) (below target)

Total tracked spending

$3,925

79% of your income

Biggest need: Housing

$1,500

30% of your income

The Money Friend

There's some work to do, but you're not in crisis

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This calculator provides estimates for informational purposes only and does not constitute financial advice. Actual costs may vary based on your creditworthiness, location, and lender. Consult a licensed financial advisor or mortgage professional before making financial decisions.

Interest rates, payments, and loan terms shown are examples for illustration purposes only and do not represent an offer to lend, a commitment to make a loan, or a guarantee of any specific rate or term. Actual rates and terms are determined by lenders based on your individual credit profile and may differ from examples shown.

Past performance and historical data do not guarantee future results. Equal Housing Opportunity.

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