Financial Clarity
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Financial Clarity Calculator

Planning and Prospering

Find your monthly surplus or gap, and build your financial safety net, in minutes.

App-ready experience
Online & synced locally
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Financial TipThe 50/30/20 rule: allocate 50% of income to needs, 30% to wants, and 20% to savings and debt payoff.
Income vs. Expenses
Emergency Fund
Bill Tracker
Monthly History
Save & Export
Retirement
Monthly income (after tax)
Fixed expenses (same every month)
Variable expenses (changes monthly)
Savings and investments
Your results
Total monthly income
Total monthly expenses
Monthly surplus / gap
Savings rate
Housing
Debt payments
Savings
Next step
Turn these numbers into a real plan
The Planning and Prospering Financial Toolkit includes a full Monthly Budget Planner, Debt Payoff Planner, Savings Tracker, and 11 more ready-to-use tools, everything you need to go from knowing your numbers to acting on them.
Get the Toolkit - $47 See all products
Your Financial Health Score
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out of 100
Run the calculator
Your personalized score will appear here
Choose a voice
Available voices depend on your device. Look for “Enhanced” or “Premium” for the most natural sound.
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What To Do Next
1
Run your income clarity calculation to unlock next-step guidance.
How You Compare
Recommended savings rate
20%
Recommended housing range
28–30%
Your savings rate
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Your housing ratio
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Money Snapshot
$0
Income
$0
Expenses
$0
Surplus
Start over
Monthly essential expenses only
Your current situation
Your emergency fund targets
Monthly essentials
Currently saved
3-month target
6-month target
Progress toward 3-month fund
Progress toward 6-month fund
Months to 3-month fund
Months to 6-month fund
Next step
Build your full financial safety net
The Financial Toolkit includes an Emergency Fund Builder, Net Worth Tracker, Savings Goal Tracker, and 11 more tools, everything to go from knowing your numbers to acting on them.
Get the Toolkit - $47 See all products
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Add a bill
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Enable bill reminders to get notified before your bills are due — right on your device.

⚠ Bills Needing Attention
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No history yet
Run your Income vs. Expenses calculator and save the results. Your monthly snapshots will appear here so you can track progress over time.
🏦 Connected Accounts
No accounts connected yet. Link a bank account to auto-track your income and spending categories.
🔒 Your data stays on your device. No credentials are stored or transmitted.
Save this month

Save your current results to your device. They will appear in Monthly History and persist across sessions.

📄 Download Branded Report

Generate a beautifully formatted Planning & Prospering financial snapshot PDF — ready to save, print, or share with your advisor.

Email results to yourself

Opens a pre-filled email draft in your email app with your full budget summary.

Retirement snapshot
Your retirement outlook
Years until retirement
Projected retirement balance
Estimated monthly income (4%)
Total contributions
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