Personal
Your own accounts, income, bills, reserves, goals, and emergency floors.
Protected Monthly Safe-to-Spend
See what is available, what is protected, and what remains.
Life Budgets turns the month into a simple allocation: resources on one side, protected commitments on the other, then a clear Safe-to-Spend amount or shortfall.
Example
Safe-to-Spend allocation
Available money is divided into protected commitments and what remains.
This month
$2,170
Available resources$5,420
Bills$2,140
Reserves$810
Goals$300
Safe-to-Spend$2,170
Rent clears
Apr 28
Low point
$1,040
Status
Safe
Allocation model
Resources
Spendable cash + expected income remaining
Protected commitments
Credit payoff + bills + reserves + goals
Result
Safe-to-Spend or shortfall
Resources
Spendable cash
Expected income remaining
Protected commitments
Credit card payoff
Recurring bills and subscriptions
Variable reserve remaining
Goal funding and emergency rebuilds
Household
Shared accounts, shared bills, household reserves, shared goals, and contribution context.
Forecast
Upcoming low points, expected cash events, what-if checks, and the drivers behind risk.
Built for people whose money picture changes.
The same model works whether you are budgeting alone, splitting a household, funding family goals, or managing care expenses across generations.