To essentials
60%
To goals
35%
Lifestyle & giving
5%
This month, in order
Essentials
Housing, bills, food, transport, insurance, and debt minimums come first — always.
$3,900
1Starter Emergency FundAlready done
Already funded — you have the full starter cushion saved.
$0
2High-Interest Debt PayoffIn progress
Every spare dollar attacks the balance — roughly 4 months to debt-free at this pace, before interest. (This is extra, on top of the minimums in essentials.)
$2,300
3Full Emergency FundNothing left
Target is $23,400 (6 × essentials); nothing was left after earlier steps.
$0
4Invest for RetirementNothing left
15% of take-home is the target, but nothing was left after earlier steps.
$0
5College FundSkipped
Not one of your goals right now.
$0
6Extra Mortgage PayoffSkipped
Not one of your goals right now.
$0
7Lifestyle & GivingFully funded
Just your reserved lifestyle money — every other dollar is working on a goal.
$300
Where the money flows
Modeled on the "baby steps" approach: money flows to each selected goal in order, and the accumulation goals (emergency funds, debt, mortgage) absorb every spare dollar until they're finished. Debt payoff pacing ignores interest, and retirement is figured as a percent of take-home rather than gross. A planning tool, not financial advice — all calculations run in your browser.