A free tool

My Own Audit

Your money, on one page. Where it goes, what stays, and how long until you have a real security net.

• About four minutes
• Rough numbers are fine
• Nothing is saved or sent

Any currency works. Use the one you earn in.

Money in

What comes in each month?

All of it, from every source. A rough number is fine.

Add a rough monthly amount to continue.

Of that, how much comes in without your time?

Rent you receive, a product that sells on its own, returns. $0 is a normal answer.

Money out

What does a full month actually cost you?

Everything, including the extras. The honest number.

Add a rough monthly amount to continue.

And the basics only, if things got tight?

Rent, food, bills. I’ve estimated it for you. Change it if you know better.

Your starting line

How much do you have saved right now?

Money you could reach if you needed it. Everything in the audit builds from here.

No judgment here. The honest number is the one that helps you.

Where the rest goes

Of every dollar, how much stays?

A common guide: 50 for what you need, 30 for what you want, 20 you keep the day it lands. Here are your numbers next to it.

Your own target

How much do you think you should set aside each month?

Not what you do now. The amount that would build a security net first, and then room to build more.

What it’s for

If your money were handled, what would you do with the room?

Pick the one that matters most. The audit will measure the distance to it.

Your audit

Money in

A full month

Saved

What the audit can’t show

Saving keeps you secure. What you can do keeps you growing.

A security net protects you when things go wrong. It doesn’t grow you. What grows you is what you can learn, build and offer. Income follows from that, and it can keep coming even when one source stops.

I lost my income overnight. No floor, nothing coming in for about two months. I learned all of this the hard way, after it had already cost me.

You’re seeing it on one page, before it costs you anything. That puts you ahead of where I started.

When I started again, I had no job and nothing coming in. You’re starting with something I didn’t have: money already landing every month. That’s your head start. The hard part was never the building. It was seeing clearly, early enough to act. You just did.

Take a screenshot of your audit before you close this page. Nothing here is saved. Come back in six months and see how far the line moved.

An educational tool based on the figures you entered, not financial advice.