Everything below updates automatically as you fill in the other tabs.
From your Net Worth Trend tab.
This month's totals.
Planned spending — Needs / Wants / Savings.
Your net worth statement — what you own minus what you owe, as of one date.
Your monthly profit & loss — every dollar in, every dollar out.
The same three-part structure companies use — Operating, Investing, Financing — sized for a household.
| Net Income (from Income Statement) | $0 |
| Retirement Contributions | |
| Brokerage / Investment Contributions | |
| Savings Account Contributions |
| Debt Principal Payments (from Debt Payoff) | $0 |
| New Debt / Loan Proceeds |
| Beginning Cash Balance (Cash & Checking on Balance Sheet) | $0 |
| Ending Cash Balance | $0 |
Zero-based: every dollar of income gets a job.
| Category | Group | Planned | Actual | Difference |
|---|
"Left to assign" should land on $0 — that's the point of zero-based budgeting.
List every debt once. See true payoff time — attack them in whatever order you choose.
| Debt Name | Balance | APR | Min. Payment | Extra Payment | Total /mo | Payoff Time |
|---|
Avalanche = extra money to the highest rate first. Snowball = extra money to the smallest balance first. Either way, focus all your extra on one debt at a time.
Sinking funds for anything you're saving toward — with an honest check, not a guilt trip.
| Goal | Target | Saved | Monthly | Target Date | Months Left | Status |
|---|
Every recurring charge, in one place — with a plain nudge on what you're not using.
| Subscription | Category | Monthly | Annual | Still using? |
|---|
Update once a month. This is the number that matters most over time.
| Month | Total Assets | Total Liabilities | Net Worth |
|---|