Federal/national brackets are hardcoded for US and UK; other countries use an editable flat estimated rate.
SHEET 01 / 03
Net Annual Income—
Phase 02 — Handover
The 50/30/20 Budget Rule
Enter your actual monthly spend in each bucket — the gauge shows how it compares to the 50% Needs / 30% Wants / 20% Savings target.
SHEET 02 / 03
Phase 03 — Future Burn
Savings Rate, Compound Growth & FI Number
Future Value = P(1+r)ⁿ + PMT[((1+r)ⁿ−1)/r], compounded annually using your monthly Savings as the annual contribution.
SHEET 03 / 03
Savings Rate
—
of net monthly income
Future Value (nominal)
—
—
FI Number
—
Annual spend (Needs+Wants) × 25
📉Inflation is quietly eating your future balance.
Nominal vs. Inflation-Adjusted Growth
Grand Summary
Where your income goes
Net Annual Income
—
after tax, before your own budgeting choices
US federal and UK income-tax bands are hardcoded 2026 single-filer estimates; state/national rates elsewhere are editable flat approximations, not live tax tables — confirm with a tax advisor before filing.
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