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Create a realistic budget that actually works for your family. Our simple calculator helps you track income, expenses, and find opportunities to save more money.
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Budget Calculator
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Budgeting Strategies & Tips
Learn proven strategies to make your budget work better for your family
50/30/20 Rule
A simple framework that works for most families
- 50% for needs (housing, food, utilities)
- 30% for wants (entertainment, dining out)
- 20% for savings and debt payoff
- Adjust percentages based on your situation
Zero-Based Budgeting
Give every dollar a job before you spend it
- Assign every dollar to a category
- Income minus expenses should equal zero
- Forces you to be intentional with money
- Great for people who overspend
Envelope Method
Use cash to control spending in problem categories
- Use cash for variable expenses
- When the envelope is empty, you're done
- Helps control overspending
- Works great for groceries and entertainment
Pay Yourself First
Automate savings before you can spend the money
- Set up automatic transfers to savings
- Treat savings like a bill
- Start small and increase over time
- Makes saving effortless
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