Avg Monthly Income
—
Based on your paychecks
Monthly Bills
—
All recurring needs
Min Buffer/check
$44.51
Protected on every check
Projected Savings
—
From surplus splits
Where Your Money Goes
Monthly baseRent
44.7%
Car + Loan
27.1%
Food + Gas
7.7%
Education
6.5%
Insurance
3.8%
Other Bills
10.2%
Next Paydays
2026MAY 1
Check #1 — Pay Rent
Rent $2,000 due by May 5th
$2,239
MAY 15
Check #2 — All Bills
Car, loan, insurance, utilities, CC
$2,239
MAY 29
⭐ Bonus Check — Pay June Rent + Split
June rent pre-paid · remaining 50/50 CC+savings
$2,239
JUN 12
Check #4 — All June Bills
Rent already paid · cover everything else
$2,239
Notes & Reminders
⚠️ Rent Rule: Rent is due the 5th. Any time a paycheck lands after the 5th, use the prior check's carry or the previous bonus check to cover it on time.
✅ Refinance target ~March 2027. Car + loan currently = $1,213.55/mo. Refinancing to ~$800 frees $400+/mo for real savings.
Monthly Spending Breakdown
Category Totals
🏠 Housing (Rent + Renters Ins.)
$2,025 / mo
🚗 Transportation (Car + Loan + Gas)
$1,258.55 / mo
🎓 Education (Sallie Mae + ECPI)
$290 / mo
🍕 Food (Groceries)
$200 / mo
💳 Debt Payoff (CC)
$200 / mo
📱 Utilities (Phone + Electric)
$240 / mo
🛡️ Insurance (Geico)
$145 / mo
🐾 Pet Supplies
$75 / mo
TOTAL NEEDS
$4,433.55 / mo
Projection
—Total Income
—
—
Total Bills
—
All needs
Total Saved
—
From surplus splits
Min Buffer
$50
Per check target