Take-Home Income / MoEditable
$
After-tax household paycheck
Fixed Bills & Subs37.4%
$5,420
Mortgage, childcare, utilities, subs
Discretionary Purchases21.9%
$3,180
Dining, groceries, travel, shopping
Net Monthly Savings40.7% saved
+$5,900
Target: 25.0% ($3,625/mo)

Cash Flow Split — Bills vs. Purchases vs. Saved

Where every dollar of monthly take-home pay goes
100% Allocated

Spending Breakdown by Category

Actual month-to-date outflow across all 6 buckets
$8,600 Spent

Monthly Category Budgets & Live Pacing

Edit any monthly cap inline — bars turn Amber at 80% and Red over 100%
Total Budgeted Cap: $8,700 / mo

Personal Cash Flow & Purchase Spreadsheet Ledger

Log a purchase, recurring bill, or paycheck — all charts & KPIs recalculate immediately
12 entries logged
Date Description Type Category Amount Action