A guided 10-minute money check-in

See what your money is really doing.

Turn income, everyday spending and future costs into one honest monthly picture—then pressure-test it before life does.

Currency

Snapshot date

Next review date

Saved privately on this device

What comes in?

Enter dependable monthly income after tax and deductions. Use what reaches you—not the headline salary.

Use net monthly incomeIf income changes each month, use a cautious 3–6 month average. Do not include one-off money you cannot rely on.

Income sourceNet per month

I checked these figuresRequired for a confirmed result

Monthly net income—

What must go out?

Capture commitments that keep the household running or must be paid. Use monthly figures.

Separate obligation from preferenceInclude debt minimums here. Extra debt payments belong in the plan you make after seeing your real balance.

Must-pay categoryPer month

I checked these figuresRequired for a confirmed result

Monthly must-pay total—

What varies?

Use what you actually spend in a normal month—not what you hope to spend.

Look back before looking aheadCheck recent statements. Convenience purchases and small repeat transactions are easy to underestimate from memory.

Variable categoryTypical month

I checked these figuresRequired for a confirmed result

Typical variable spending—

What is not monthly?

Annual and irregular costs still need monthly funding. We divide each annual estimate by 12 for you.

Irregular is not the same as unexpectedIf a cost is likely to happen, give it a monthly provision—even when the exact date or amount can move.

Future costAnnual estimateMonthly provision

I checked these figuresRequired for a confirmed result

Monthly future-cost provision—

Your money reality

This is the amount genuinely available—or missing—after regular spending and monthly provisions.

○ Unknown

—

Confirm all four sections to turn this estimate into a reliable snapshot.

—income− —monthly costs− —future provisions= —real monthly balance

Pressure-test your plan

These are planning scenarios, not predictions. Use them to decide what deserves attention next.

25% income interruption for 3 months

What if dependable income temporarily falls to 75%?

Reduced monthly income—

Balance each affected month—

3-month buffer needed—

Complete your figures to make this scenario useful.

Annual-cost collision

See what happens when two non-monthly costs arrive together.

First cost

Second cost

Due in the collision month—

Monthly provision for both—

Gap if nothing was pre-funded—

When provisions are saved as planned, timing becomes manageable. The “gap” shows the risk of starting with no money set aside.

Allocate a 15% income increase

Give the increase a job before lifestyle expands to absorb it.

Save / invest—

Extra debt payment—

Goals / giving—

Lifestyle—

Increase available: —Allocated: 100%

What surprised you?

One next move before your review date

Use this as a starting pointReview after real transactions change the picture.