Educational only. Manual entry is default. No bank, brokerage, employer, or payroll connection is live. Get qualified advice before decisions.
Step 1 - Defense
Budget
Know what came in, what went out, and what is left.
What this means
A budget is a control panel: income, spending, and what is left.
Do this now
Fill income and expenses. Check the savings rate. Perfection can wait.
Free Budget + Net Worth Template
Start with the spreadsheet. Update it monthly.
The budget template also includes a net worth tracker, credit utilization, and monthly summary tabs. Use it in Google Sheets or download the Excel file, then update it once per month.
