Financial Overview
Snapshot of your financial health this month.
Income
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Expenses
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Savings
$0.00
Remaining
$0.00
Weekly Spending Activity
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What Is a Budget?
A budget is a simple plan for your money—an estimate of income and expenses that helps you spend with purpose and reach goals like paying off debt or growing savings. Whether you use our calculator, a spreadsheet, or an app, the “best” method is the one you’ll stick with.
How to Budget
Budgeting comes down to two pillars: live within your means and plan ahead.
Live Within Your Means
- Don’t outspend your income: overspending snowballs into debt.
- Avoid “keeping up with the Joneses”: skip status purchases.
- Use credit wisely: borrow only what you can repay on time.
Plan for the Future
- Build an emergency fund and handle surprises.
- Save for major purchases (home, car, education).
- Invest wisely and prepare for retirement.
📘 Quick Guides
Budgeting 101
- Use the 50/30/20 rule: Needs 50%, Wants 30%, Savings 20%.
- Automate transfers to savings the day your income arrives.
- Track by category and review monthly; adjust what drifts.
Saving Smarter
- Build a 3–6 month emergency fund before investing.
- Increase savings rate with every raise or windfall.
- Keep short‑term money in low‑risk, liquid accounts.
Debt Management
- Prioritize high‑interest debt (avalanche) or quick wins (snowball).
- Refinance if you can lower rate/term without big fees.
- Keep DTI below ~36% for healthier finances.
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We do not collect personal information unless you explicitly share it with us. Calculations run in your browser; no budgets or inputs are sent to our servers. Your transaction data is stored in LocalStorage.
📄 Terms of Use
SquareBudget.com provides educational finance tools "as‑is" without warranties. The site does not provide financial, investment, or legal advice. You are responsible for your decisions.