Budget Builder
Give every shilling a job across essentials, future-you and lifestyle, then watch the plan come together.
Before you start
Budget Builder
Plan your month, organise spending into clear categories and see what is left to save, invest or use to clear debt.
Set your monthly take-home income.
Add or edit line items under each category.
See your balance, chart and Money-Wise split update as you type.
Download it as a PDF or an editable Excel sheet, or save it to your dashboard.
Private and confidential: everything runs in your browser. We never see your numbers, and nothing is stored unless you choose to save or email your plan.
Choose your working currency
All amounts in this tool update together.
Choose a currency
What actually lands in your account each month, after tax. Slide, or type any amount in the box.
Left to allocate
planned of
You have unspent. Give it a job, push it to savings, investments or debt before it disappears.
Every shilling has a job. That's a zero-based budget done right.
Over budget by
planned of
You're spending more than you earn. Trim lifestyle first, then revisit the essentials.
to future-you
The Money-Wise split
How your plan compares to a healthy balance.
Save & download your report
Your monthly budget as a printable PDF or an editable Excel sheet.
Enter your email to save this plan. We email you a link to your report, which waits in your free Money-Wise dashboard.
Your free Money-Wise profile is created with this email. Your plans wait in a dashboard you sign in to with a code we email you. No password to remember.
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Check your inbox. We have sent your report link to . It opens your dashboard after a quick sign-in code.
Saved. Your report is downloading now.
Not sure what to work on next?
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