Where does your money actually go?
Run your own numbers through 50/30/20. Get a brutal, honest read on your financial reality — in under five minutes.
Upload your transactions
Export the last 1–3 months from your bank's online portal as CSV or Excel. We'll classify every line as a Need, Want, or Savings — you can override anything we get wrong.
Type it in
Three numbers. Be honest with yourself — round up if you're guessing. Underestimating your wants is the most common (and most expensive) mistake.
Your after-tax take-home, per month. Combined household if relevant.
Rent/mortgage, utilities, groceries, transport, insurance, minimum loan repayments.
Dining out, subscriptions, takeaway, hobbies, holidays, anything you'd survive without.
Reality vs. target
The dashed line is the target. The bar is where you actually sit. The gap is the conversation.