A free planning tool · No account needed

Build your 40/30/20/10 budget.

The 40/30/20/10 split divides take-home pay into needs, lifestyle, wealth building, and a liquid buffer, so every dollar has a job. Nothing you enter here is sent anywhere — it stays in this browser.

Where it runsThis browser only

Account requiredNone

CostFree

Income and household settings

Saved to this browser only

Your monthly take-home

Partner monthly take-home

Currency

Shared-cost split

Current liquid reserve

Combined monthly income$0

Income share

Annual take-home$0

Monthly allocated

0% of take-home

Unallocated cash

Ready to assign

Wealth + buffer rate

Investing plus liquid protection

Annual future funding

Current monthly plan annualized

Reserve runway

0.0 mo

Reserve balance ÷ monthly needs

Allocation targets

Needs and lifestyle are ceilings; wealth and buffer are floors.

Needs max

Lifestyle max

Wealth min

Buffer min

Targets total 100%.

Actual allocation mix

Share of allocated monthly cash.

0%allocated

Priority actions

Dynamic prompts based on the current plan.

Suggested funding split

Shared items split by income; personal items stay personal.

Shared household items$0 Your personal items$0 Partner personal items$0

Your suggested funding$0 Partner suggested funding$0

This is a planning split, not a record of who paid.

Reserve runway

Test the liquid safety net against monthly needs.

Target months

$0to target

Runway uses the full current Needs bucket. Adjust the classification if some listed needs would disappear during an emergency.

Wealth + buffer rate trend

One snapshot per day, saved only in this browser.

Save today's numbers, then come back another day to see this build a trend line.

Ready to put this toward debt payoff?

BNS turns a snapshot like this into a goal you set — and adjust anytime — while it automates the extra payments behind it. That's the first step toward the wealth debt-free living unlocks.

See your debt-free date.Test extra payments.Track it with Victory Cards.