Are You Living Paycheck to Paycheck?
See your monthly surplus or deficit, savings rate, emergency runway, and 50/30/20 budget gap — with a ranked action plan to break the paycheck cycle.
Most Americans live paycheck to paycheck. Here's exactly where the money goes and how to change it.
Your Monthly Numbers
Your paycheck after taxes and deductions (net pay)
Rent/mortgage, car payment, utilities, insurance, loan minimums
Food, dining out, subscriptions, entertainment, clothing, personal care
401k contributions, emergency fund, HYSA, brokerage deposits
Healthy
Monthly Surplus
$1,000
Savings Rate
4.4%
Emergency Runway
0.1 mo/mo
50/30/20 Budget Check
Your allocation vs. recommended targets
Recommended Actions
Increase savings to 10% of income
Builds emergency buffer and breaks the paycheck cycle
$250/mo redirected
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