YOUR
INCOME
Fixed Costs
50-60%
Guilt-Free
20-35%
Investments
10%+
Savings
5-10%
Create your conscious spending plan.
Look forward, not backwards.
People good with money don't track every expense—they put money in buckets ahead of time. Now you can too.
The Four Money Buckets
●
Fixed Costs (50-60%)
Rent, mortgage, utilities, insurance, subscriptions, and recurring bills
●
Guilt-Free Spending (20-35%)
Dining out, entertainment, hobbies, shopping - spend freely without guilt
●
Investments (10%+)
401(k), Roth IRA, index funds, and long-term wealth building
●
Savings (5-10%)
Emergency fund, vacation savings, big purchases, and short-term goals
Why Conscious Spending Works
1.
No more tracking every latte. Focus on the big wins that actually move the needle on your finances.
2.
Guilt-free spending built in. When you allocate money for fun upfront, you can spend it without anxiety.
3.
Automate your rich life. Set up your buckets once, automate transfers, and watch your wealth grow.
Features
Visual pie chart to see your money allocation at a glance
Track your progress toward financial independence
Works offline - your data stays on your device
Free personal finance tool - no account required
Based on proven budgeting principles from financial experts