1

Your Monthly Take-Home Pay

$
2

Monthly Expenses

Separate your must-have bills from more flexible spending like eating out, shopping, and subscriptions.

$
How would you classify this?

Essential: rent, car payment, insurance, basic groceries, minimum loan payments.
Flexible: eating out, clothes & shoes, drinks, cigarettes/vapes, subscriptions, impulse buys.

Add a subscription, bill, or habit you pay every month. You can decide later whether to keep it or redirect it to savings.

3

Results & Impact

See how your choices today could shape your future over time.

Show impact over:

Monthly picture

Income —
Essentials —
Flexible —
Total expenses —
Left over income —

Over 10 years:

Impact from CUT flexible expenses

+ $0/mo redirected from flexible expenses.

Cut items:

Item & monthly High Yield Savings Account (3.5%) Index fund (7%)

If you also redirected your leftover income each month

+ $0/mo from leftover income

High Yield Savings Account (3.5%)
$0.00
Index fund (7%)
$0.00

Combined future value (CUT expenses + leftover income)

+ $0/mo redirected

High Yield Savings Account (3.5%) $0.00
Index fund (7%) $0.00

This is the potential value of your leftover income each month plus the flexible expenses you chose to cut.