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Loading your budget...
Enter your income and allocate every dollar
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Left to Assign
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Take-Home Pay
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Monthly income
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Allocated
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Assigned to categories
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Remaining
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Still needs a job
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Savings Rate
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% going to savings
🎯 Budget Status
Enter your income and start allocating below.
💵 Your Income
Monthly take-home pay (what hits your bank after taxes)
📋 Budget Categories
Allocate every dollar — adjust amounts until remaining = $0
📊 Allocation Breakdown
Visual progress — green = healthy, red = over-allocated
📊 Spending Breakdown
How your money is divided across categories
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Budget Health Check
How your allocations compare to recommended guidelines
📈 Savings Projection
If you stick to this budget, here's what your savings grow to
Budget Allocation
Amount by Category
% of Income
12-Month Savings Growth
Monthly Budget Report
Vault & Vessel Studio ·
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How To Use
Give every dollar a purpose — zero left over means your budget is complete
🚀 Getting Started
1
Enter Your Income
Your monthly take-home pay — what actually hits your bank account after taxes and deductions.
2
Allocate Every Dollar
Adjust each category until your remaining balance hits $0. Every dollar needs a job — that's the zero-based method.
3
Check Your Alerts
The tool compares your allocations to recommended percentages. Red = over, green = healthy, yellow = watch it.
4
Print & Stick It Up
Print your budget and put it on the fridge. Review weekly. Adjust monthly. The best budget is the one you actually follow.
📊 Terms Made Simple
Zero-Based Budget: Every dollar of income is assigned a purpose. Income minus all categories = $0. It doesn't mean you have no money — it means every dollar has a job.
Take-Home Pay: What actually lands in your bank account after taxes, insurance, and retirement contributions. NOT your gross salary.
Savings Rate: The percentage of your income going to savings/investments. 20% is the common target. Even 5% is better than 0%.
50/30/20 Rule: A guideline — 50% needs (housing, food, transport), 30% wants (dining, entertainment, shopping), 20% savings & debt. Not law, just a starting point.
Over-Allocated: When your category totals exceed your income. The remaining balance goes negative. You need to cut something — you can't spend more than you make.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a budgeting tool, not financial advice. Recommended percentages are general guidelines — adjust based on your situation, location, and financial goals.