Ernest Money — AI Monthly Budget System (Pro V2.3)

How this works (2–3 minutes)

Enter your numbers — income, fixed bills, and flexible spending.
Set your goals — emergency %, debt extra ($), investing % — each shows dollars and percentage clearly.
See your plan — total income, spending, goals, and free cash.

Tip: If you’re paid weekly/bi-weekly, use your monthly average.

Precision: Type exact values — we format them as dollars after you leave the field.

Switch off a goal: Set the slider/box to 0.

Step 1 — Income

Enter monthly amounts (or your monthly average).

Primary income

Monthly income $0.00

Secondary income

Other income

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Step 2 — Fixed Expenses

Regular bills that stay about the same each month.

Housing (rent or mortgage)

Utilities

Insurance

Vehicle

Debt minimums

Subscriptions

Fixed expenses $0.00

Lower your fixed bills

Explore options for mortgage/refi, debt reduction, and insurance.

Step 3 — Variable & Goals

Variable = spending that moves month to month. Goals = money you intentionally set aside.

Groceries

Transport

Dining

Personal

Health

Kids

Entertainment

Variables & goals $0.00

Emergency fund — % of income

We’ll set aside a percentage of your total income.

% this month10%

= $0.00 / mo

Debt extra — $ / month

On top of required minimums to speed up payoff.

Extra this month$0.00

Investing — % of income

Automatic pay-yourself-first amount.

% this month5%

= $0.00 / mo

Results & Next Steps

Summary

How we calculate this

Income = sum of your monthly inputs.
Fixed = regular bills that rarely change.
Variable = flexible categories.
Goals are your choices: Emergency %, Debt extra $, and Investing %.
Free cash = Income − (Fixed + Variable + Goals).

Ernest Money — AI Monthly Budget System

Build a simple, personalized plan in minutes