The Money Dashboard
A budget planner, emergency-fund tracker, debt payoff simulator and savings goals — all in one page, all worked out in your browser.
Your month
Tag every expense as a need, a want, or saving and debt payoff. Minimum debt payments are needs; anything above the minimum counts as saving.
Where your money goes
Updated as you type.
Emergency fund
Base the target on essential spending — rent, food, utilities, transport, insurance, minimum debt payments — not on your income.
Your target
Three months is the usual default; six if you are a single income or self-employed.
Your debts
Name, balance, APR and minimum payment for each one. Add the spare amount you can send at the target debt each month.
Payoff plan
Simulated month by month, including interest that accrues while you pay.
Savings goals
Expected-but-irregular costs belong here, not in the emergency fund: car servicing, insurance renewals, Christmas, the annual dentist.
How to use these
Give every goal a date and a monthly amount, then automate that transfer for the day after payday. A goal without a standing transfer is a wish.
Keep sinking funds separate from your emergency fund, or the emergency fund will be permanently half-empty and you will never know whether you are covered.