See where every euro goes, save more each month
Map your income, expenses and investments, measure your savings rate and see where every euro goes.
Free, no credit card. Results in 2 minutes.
Net income of €3,000 per month
Without budgeting
12% saved
After budget tweaks
22% saved
10 points of savings recovered
Hypothetical scenario for illustration. Your real outcome depends on your situation.
A clear structure to map your entire financial life.
Multiple income sources
Add all your income sources and reorder them with a simple drag and drop.
Hierarchical expenses
Organize your spending into categories and line items, collapsible for clarity.
Investment envelopes
Group your holdings by envelope and then by instrument.
The number that truly matters: your savings rate.
Four control cards
Income, investments, expenses and money left to live on, calculated continuously.
Savings rate
Your actual savings rate and your potential savings rate, calculated automatically.
Deficit detection
A colored alert appears the moment your expenses exceed your income.
See the path of every euro, from income to savings.
Sankey diagram
Visually follow each euro's journey, from income to savings and expenses.
Detailed or simplified mode
Adjust the depth of the diagram to the level of detail you want.
Waterfall view on mobile
A readable waterfall replaces the Sankey on small screens.
Take your budget anywhere, share it easily.
Share by link
Send your budget via a simple web address, importable in one click.
Export as image
Export your budget as an image, with an option to hide the amounts.
Sample data
Start from a localized sample budget to get going faster.
Multi-device sync
Cloud backup of your budget, available across all your devices.
Free or Premium?
Included for free
- Multiple income sources
- Hierarchical expenses
- Investment envelopes
- Four control cards
- Savings rate
- Deficit detection
- Sankey diagram
- Detailed or simplified mode
- Waterfall view on mobile
- Share by link
- Export as image
- Sample data
With Premium
- Multi-device sync
Frequently asked questions
What is budget management applied to FIRE?
Managing your budget means mapping your income, your expenses, and your investments in order to steer your savings rate, the primary engine of financial independence. The tool structures your financial life and continuously calculates how much you are truly setting aside.
How do you calculate your savings rate?
Your savings rate is the share of your net income that you save or invest over a given period. The tool calculates it automatically from your income, your expenses, and your investment envelopes, and it distinguishes your actual rate from your potential rate.
What savings rate should you target to reach FIRE?
Your savings rate is the primary driver of your horizon. According to the calculation popularized by Mr Money Mustache, saving 50 percent of your income leads to independence in about 17 years, 65 percent in 10 and a half years, and 75 percent in 7 years, assuming a 5 percent real return and a 4 percent withdrawal rate.
What is a budget Sankey diagram?
A Sankey diagram represents your financial flows with arrows whose width is proportional to the amounts. It makes visible, at a single glance, the path of every euro, from your income toward savings, investments, and each spending category.
Is budget management free?
Yes, with no credit card. Creating the budget, calculating the savings rate, the Sankey diagram, sharing by link, and exporting as an image are all available for free. Only multi-device sync is part of Premium.
Give your money a direction
Create your first budget in a few minutes.
Free, no credit card. Results in 2 minutes.