Services That Fit Your Financial Life
From self-serve budgeting tools to one-on-one coaching, every BudgetWise service is built around the proven 50/30/20 method — so you always know where your money goes.
Get a Free Budget PlanWhat We Offer
Choose the level of support that suits you. Start free with our digital tools, then add expert coaching whenever you're ready.
Interactive Budget Calculator
Enter your monthly income and instantly see your personalized 50/30/20 breakdown for needs, wants, and savings.
- Instant three-bucket breakdown
- Adjust ratios for high-cost areas
- Free to use, no account needed
Expense Tracking Tools
Automatically categorize your spending into the three buckets so you always know if you're on target.
- Automatic transaction categorization
- Monthly progress reports
- Read-only, bank-level encrypted connections
Savings Goal Planner
Set goals like an emergency fund, vacation, or home down payment and watch your 20% savings bucket get you there.
- Custom timelines and milestones
- Emergency fund tracking
- Debt payoff projections
1-on-1 Financial Coaching
Work with a certified coach to customize the 50/30/20 method to your unique income and life situation.
- Personalized monthly sessions
- Debt reduction and savings strategies
- Accountability between sessions
How Getting Started Works
Four simple steps from your first calculation to a financial plan you can actually stick to.
Calculate
Use our free calculator to see your 50/30/20 breakdown based on your after-tax income.
Track
Connect your accounts read-only and let our tools sort your spending into needs, wants, and savings.
Set Goals
Define what your 20% savings bucket should achieve — emergency fund, debt payoff, or a big purchase.
Stay on Course
Review monthly reports or meet your coach to adjust the plan as your income and goals evolve.
A Method, Not a Gimmick
Every service we offer is grounded in the 50/30/20 budgeting method: 50% of your after-tax income for needs, 30% for wants, and 20% for savings and debt repayment. It's simple enough to follow for years and flexible enough to fit real life.
Our coaches are experienced in adapting the method to irregular incomes, high-cost regions, and shared households. We never sell your data, and your plan stays yours — no product commissions, no hidden agendas.
Learn More About UsPlans & Pricing
Transparent options with no long-term contracts. Upgrade, downgrade, or cancel at any time.
- Budget calculator
- Manual expense tracking
- Monthly email summary
- Community guides & blog
- Everything in Free
- Automatic expense tracking
- Savings goal planner
- Custom ratio adjustments
- Everything in Plus
- Monthly 1-on-1 coaching session
- Personalized action plan
- Priority support