This tool is built on one idea: every dollar you earn gets a job before the month starts. That's called zero-based budgeting — your income, minus everything you plan to spend, save, and pay toward debt, should land at exactly $0 left to assign. It's not about restriction. It's about telling your money where to go instead of wondering where it went — and paying off debt on purpose instead of by accident.
1
Year at a GlanceSee all 12 months side by side — income, debt, spending, and what's left to assign. Click any month's name to jump straight into planning it.
2
Month tabsSwitch between January–December along the top. Each month has its own income and spending plan, so a big December bonus doesn't throw off your June numbers.
3
Debt Payoff PlanList your debts once — balances carry across the whole year. The projected debt-free date at the top updates automatically using the snowball method: any extra payment always attacks your smallest balance first.
4
Spending PlanAssign this month's income to real categories — Needs, Wants, Savings — until "Left to assign" hits $0. Add or remove categories anytime.
5
CalendarJot down paydays, bill due dates, or anything time-sensitive for the month you're viewing.
6
GoalsTrack savings goals separately from monthly spending. Add a target date and it tells you exactly how much to save per month to hit it on time.
7
Print & backupPrint just the current month, or the whole year as a report. Use Export anytime to save a backup file you can re-import later or move to another device.