Tool 4 · Digital
Give · Save · Invest · Spend Planner
Decide what your money will do before it arrives.
Money without an assignment finds one on its own — usually the wrong one. This planner helps you give every dollar a job before it lands.
You can plan with percentages alone, or enter an amount and watch the dollar allocations appear automatically. There is no split that is morally or financially required of everyone — your plan is yours, so long as the five assignments add up to 100%.
You will never be asked for an account number or a bank balance. What you enter stays on your device.
Plan total
0%
100% still unassigned
Money Coming In
Decide what your money will do before it arrives.
Optional. Used only to show dollar allocations — nothing is sent anywhere.
There is no percentage that is morally or financially required for everyone. Your plan is yours. The only rule is that the five assignments add up to 100%.
My Plan
Assign a percentage to each. They must total 100%.
What you direct outward — to family, community, faith, or causes you believe in. Some readers set this at zero for now. That is a valid plan.
Money set aside for the emergencies and milestones you have not met yet. Even a small percentage, kept consistently, builds the habit before it builds the balance.
Money aimed at growth — only after you understand it (see the Investment Learning Worksheet). If you are not there yet, zero here is honest.
Housing, food, utilities, transportation, and the minimum obligations that keep your life stable. This is often the largest share — and that is not a failure.
Money you assign to living — without guilt, and without it quietly consuming everything you did not plan for first.
Your plan leaves some of your money unassigned. Give the remainder an assignment, or accept that it will find one on its own.
This planner never asks for bank account numbers, balances, or income you do not choose to enter. What you type stays on this device.