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Build a personalized budget based on your income and expenses. Track where your money goes and find opportunities to save.
Total Monthly Income
$4,000
Total Expenses
$4,705
118% of income
Monthly Deficit
$705
You are overspending
Savings Rate
17.5%
$700/month
NEEDS
76%
$3,055 / month
Target: 50% (50/30/20 rule)
WANTS
16%
$640 / month
Target: 30% (50/30/20 rule)
SAVINGS
18%
$700 / month
Target: 20% (50/30/20 rule)
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Example output — not real data
📈
24%
Savings Rate
🔥
-3.5 years
FIRE Impact
💡
+$380/mo
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The is a simple budgeting framework that allocates your after-tax income into three categories based on percentages. This approach makes budgeting straightforward and sustainable.
The Three Categories
Sagery provides educational estimates, not financial advice. All projections are based on the assumptions you provide — actual results will vary. Consult a qualified financial advisor before making financial decisions.