Example profile
What you can unlock
Finish a track and its tool opens. Here is every one of them, filled in for Jane Doe — a made-up person. Try the controls; nothing here is saved.
Total Assets
$92,350.00
Total Debt
$35,060.00
Net Worth
$57,290.00
Total assets − total debt
5 accounts
Chase Total Checking
checking
$4,250.00
Ally High-Yield Savings
high-yield savings
$11,400.00
Workplace 401(k)
401(k)
$48,600.00
Roth IRA
roth ira
$21,300.00
Individual brokerage
brokerage
$6,800.00
4 debt accounts
Sapphire Preferred
credit card
$1,840.00
Blue Cash Everyday
credit card
$620.00
Federal student loans
student loan
$18,400.00
Auto loan
auto loan
$14,200.00
Income
$6,200/moTake-home pay each month.
Fixed costs
$3,147/moBills that stay the same every month.
Variable spending
$1,270/moCosts that change month to month.
Monthly Income
$6,200
Monthly Spending
$4,417
Monthly Net Income
$1,783
Spending Limit Calculator
25% of your income is already committed — 12% to savings goals and 13% to investing, so this cap stops at 75%. Change those on the Savings and Investing pages to free up more.
$4,417 below your current spending. Hitting this target means cutting $4,417 somewhere.
Stay within this limit and have $6,200/month or $74,400/year for free spending, saving, or investing.
Monthly Income
$6,200
Enter manually
Up to 4% · $248/mo
| Spending limit | 73% · $4,500 |
| Investing | 13% · $806 |
Savings Goals
Hold a card to move it up or down.
Emergency fund (6 months)
5% of income
$11,400 of $18,000
House down payment
3% of income
$14,500 of $60,000
Trip to Japan
2% of income
$1,800 of $5,000
All goals
$83,000
Monthly Income
$6,200
15% available after spending & savings
| Spending limit | 73% · $4,526/mo |
| Savings | 12% · $744/mo |
Retirement accounts (401(k), Roth IRA, etc.)
Lower riskETFs
Lower riskMutual funds
Lower riskBonds & bond funds
Lower riskREITs
Lower riskReal estate
Lower riskIndividual stocks
Higher riskCrypto
High riskOptions
Highest riskFutures
Highest riskNot listed