Your money doesn't need another spreadsheet. It needs 90 days.
Debt payoff, budget reset, emergency fund, and net worth — tracked as one connected plan instead of four disconnected tools that don't talk to each other.
Try two real calculators from the tool, free
These use the same math as the PRO tool. The full version adds multi-debt snowball/avalanche comparison, budget tracking over time, net worth, the 90-day challenge, and the AI advisor.
50/30/20 Budget Split
Debt-Free Date Estimator
The usual approach
- A budgeting spreadsheet for monthly expenses
- A separate debt-payoff calculator that doesn't know your budget
- A notes app for the emergency fund goal you keep meaning to hit
- No single view of how paying off debt actually changes your net worth
Money Reset Planner PRO
- Enter your numbers once — debt, budget, savings, and assets all read from the same data
- Free up budget surplus and the tool shows exactly how much faster that pays off debt
- Watch net worth move in real time as debt drops and savings grow, on the same dashboard
- A 90-day challenge turns the plan into a week-by-week checklist, not just numbers on a screen
Every target in this tool traces to a real rule
No invented "experts recommend" numbers. Each benchmark is a published guideline, not a guess.
| Rule | Used for | Source |
|---|---|---|
| 50 / 30 / 20 split | Budget Reset diagnostic | Elizabeth Warren's household budgeting framework |
| 3–6 months of expenses | Emergency Fund target | CFPB / Federal Reserve guidance |
| ≤28% of gross income | Housing cost check (rent vs. buy) | Mortgage-industry affordability rule |
| 35% payment history · 30% utilization | Credit score improvement tips | FICO's published scoring factors |
| 15–20% savings rate | "Am I saving enough?" benchmark | Common retirement-planning guideline (Fidelity and others) |
A closer look at every tab
Snowball vs. avalanche, calculated correctly
Add every debt once. The tool runs both payoff strategies and shows the real month-by-month schedule for each — not an estimate that changes depending on which tab you're looking at.
- Interest saved by choosing avalanche over snowball, in dollars
- Extra payment automatically includes budget surplus you've freed up
- Same debt-free date on the Dashboard, the Debt Planner, and the AI Advisor
See your 50/30/20 split at a glance
Enter income and expenses once and the tool sorts everything into needs, wants, and savings/debt — flagging exactly which category is over target and by how much.
- Category-level leak detection (dining, subscriptions, shopping)
- Real-time recalculation as you adjust any expense
- Feeds directly into the Dashboard and AI Advisor's savings-rate answer
Watch the number that actually matters move
Assets and liabilities in one place, so you can see net worth change as a direct result of paying down debt and building savings — not as a separate number you have to calculate yourself.
- Asset/debt ratio with a clear target (above 1.0x)
- Milestone tracking as you cross zero and beyond
- Updates automatically from your Debt Planner and Budget data
A plan turns into a checklist
Thirteen weeks of specific tasks — from building a $1,000 starter emergency fund in week one to reviewing your whole budget on day 90 — so the plan isn't just numbers you look at once.
- Week-by-week task list, not a vague goal
- Progress bar and days-active counter to keep momentum visible
- Resettable if you want to start a fresh 90-day cycle
- ✓ Build $1,000 starter emergency fund
- ✓ Create your 50/30/20 budget
- ✓ List every debt with rate & balance
- Research balance transfer options
- Ask for a raise or job search
Ask your own numbers a question
The advisor runs entirely on your device, using only the data you've entered — rule-based, not a black box, and nothing is sent anywhere.
- "Am I saving enough?", "What's my net worth?", "Improve my credit score?"
- Answers computed live from your actual figures, not generic tips
- Works completely offline once the page has loaded
Assets: $41,200 · Liabilities: $18,400
Net Worth: $22,800
Asset/Debt ratio: 2.24x
🟢 Solid position. Consider whether idle cash above your emergency fund should be invested.
What connecting the numbers actually changes
Take someone with $18,400 in debt, a $500/month budget surplus after a Budget Reset, and $5,000 already saved toward an emergency fund. Here's what the tool shows when those three numbers are linked instead of tracked separately:
Your own numbers will differ — this example exists to show how the modules connect, not to predict your outcome.
- Every feature — no locked tiers
- Works fully offline once loaded
- Your data never leaves your device
- Multi-client Pro Mode included
Questions
Is this a subscription?
Where does my financial data go?
Does it work on my phone?
What's the difference between the free calculators above and the full tool?
I'm a financial coach — can I use this with clients?
What are the current 401(k) and Roth IRA limits it uses?
Start your 90-day reset today
One purchase. Every feature. Your first task starts on day one.
Get Money Reset Planner PRO — $34