See where your salary actually goes.
Answer a few questions and get a live model of your month: take-home pay, every bill, every savings bucket and what stays left over. Then watch your emergency fund, home deposit and retirement grow, month by month.
Takes about three minutes. No bank connection needed.
Example: one month, every line
Sample numbersFrom a few answers to a model you can play with
Answer a short questionnaire
Where you work, what you earn, your rent, your biggest spending categories, any loans and the savings you already have.
Get your model in seconds
We turn your answers into a month-by-month model: take-home pay after tax, a waterfall of every line, and a projection for each savings bucket.
Adjust and track
Drag sliders to change any budget line, plan raises and bonuses, pause a bucket, and compare your plan with what you actually spent.
Built like a financial model, readable like an app
One month, every line
A waterfall starts at your salary and steps down through tax, rent, bills, food and every savings transfer. The last bar shows what is really left. Hover any bar for its share of your income.
Savings buckets that behave like the real thing
An emergency fund fills to its target and then passes its transfer on. A travel fund pays for trips from its own balance. Retirement shows a low, base and high scenario. Add, pause or remove buckets any time.
Gross to net for five countries
Enter your gross salary and the model works out take-home pay with 2026 tax brackets and social contributions.
Plan against actual
Export a month from your expense app, drop the file in, match your categories once, and see which lines ran over.
Your numbers are yours
The site is public. Your model is not.
- With an account, your model sits in a private database table that only your signed-in account can read or change.
- Without an account, nothing is stored. Your preview disappears when you leave the site.
- No bank connections, no tracking pixels, no selling of data.
- You can delete your profile and all its data from the Profile tab at any time.
Ready to see your month?
Three minutes of questions, then the model builds itself. Sign up for free to keep it.