Reverse Budgeting Tool (Save First, Spend Later)

Reverse Budgeting Tool

Prioritize your financial goals by saving first, then plan your spending with the remainder.

Monthly Income & Savings Goals

Total Monthly Net Income (After Taxes):

Monthly Savings Allocations (Save These First!)

Emergency Fund Contribution:

Retirement Savings (e.g., 401k, IRA):

Other Investments (Taxable Accounts, etc.):

Savings for Specific Goals (e.g., Down Payment, Vacation):

Strategic Debt Paydown (Above Minimums):

Extra payments on high-interest debt.

Monthly Essential Fixed Expenses (Needs)

Housing (Rent/Mortgage, Property Taxes, HOA):

Utilities (Electricity, Gas, Water, Trash, Internet):

Groceries (Essential Food Budget):

Transportation (Fuel, Public Transit, Essential Car Costs):

Insurance Premiums (Health, Auto, Life, Disability, etc.):

Minimum Debt Payments (Loans, Credit Cards - required amounts):

Childcare / Dependent Care (Essential):

Other Essential Fixed Costs (e.g., Phone Bill, Medications):

Reverse Budget Summary

Please complete your income, savings goals, and fixed expenses in the previous tabs, then click "Calculate My Budget" on the "Essential Fixed Expenses" tab.