Sharp / Tools / Money plan: what to spend on, and what to stop

Finance tools

Your money plan

Tell it what you earn and spend. It tells you what to pay for first, when you'll get there, and what to stop spending on.

Your numbers

Fill in what you earn and spend in a normal month. Rough numbers are fine; your bank app has the real ones.

Must-pays / month

Nice-to-haves / month

Savings & debt

Goal (optional)

This is education, not personal financial advice. It uses common rules of thumb (one month of must-pays as a starter fund, 3–6 months as a full one, 8% as "high interest", the 50/30/20 guide). Your situation may need a different order; for big decisions, talk to a qualified adviser. Everything stays in your browser: nothing you type is sent or saved.