Plan the month before the month plans you.
Start with income and commitments, then SmartBudget protects essentials, builds your safety buffer, plans goals and shows what is safe to spend.
Monthly allocation
Automatic plan based on your real commitments
Daily spending allowance
Planned budget & real-time balance calculator
Spend from Now to Month-End
Calculate your daily allowance from remaining cash
Financial guardrails
Rules that keep the plan sustainable
Income
Use take-home income
Planning preferences
Change the automatic recommendation
Essential expenses
Known monthly costs override estimates
Liabilities & EMIs
Add minimum monthly payments; use Debt Payoff for optimization
Turn big purchases into monthly targets.
Add a car, house, vacation, education or retirement goal. The planner calculates the required monthly contribution and compares it with your available savings.
Goal capacity
What your current monthly plan can support
Debt payoff optimizer
Compare avalanche and snowball strategies
Avalanche generally minimizes interest when rates are accurate. It targets the highest APR first.
Extra debt payment
Choose how much of your flexible money goes toward debt
The optimizer uses your minimum payments plus this extra amount. If you enter APR and balance for liabilities, it can rank them.
Monthly spending tracker
Record actual expenses and compare them with the plan