How MoniePlan works

Five questions. Two minutes. One complete budget.

Choose your life stage

Are you budgeting solo, as a couple, or for a family? This determines which categories appear in your budget — singles get more personal spending, families get childcare and education.

Enter your income

Tell us your monthly take-home pay. If you're a couple or family, add your partner's income too. We use this to calculate percentage-based allocations.

List your fixed bills

Rent, utilities, insurance, car payments, student loans — enter the monthly amounts for your recurring obligations. These get locked into your budget as fixed line items.

Set your goals

Choose an emergency fund target (3-12 months), add a custom savings goal, and decide if you want to prioritize paying off debt. We'll build these into your monthly plan.

Get your budget

After a quick review and $5 payment, we generate a complete 12-month budget. Every category, every month, with seasonal adjustments and savings targets built in.