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Budget Planner — Setup & Controls
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ControlValueGroupPurposeOptional Benchmark
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Budget Year2026NeedsCore living costs and minimum obligations≈50% of after-tax income
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Selected Month8WantsLifestyle and discretionary spending≈30% of after-tax income
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Emergency Fund Target (months)
6Savings & DebtSavings, investing, and extra debt reduction≈20% of after-tax income
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ImportantHow to UseNotes
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Start with take-home incomeEnter realistic monthly budget amounts.Planning tool only; not individualized tax, legal, or investment advice.
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Record every transactionUse the transaction register and dropdowns.Actuals update automatically by month/category.
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Review variances monthlyUse Dashboard and Annual Summary.Positive expense variance = over budget.
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Adapt over timeUpdate goals, debts, and budget assumptions.Benchmarks are optional reference points, not rules.
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