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Put the numbers you already know into a simple model. Your entries and results stay in this browser; Koydo does not receive them.
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CFPB guidance starts with tracking income, resources, and expenses across a real month. Use take-home income and your own categories; this tool does not judge how you spend.
Enter 0 to 1,000,000 US dollars.
Unplanned monthly buffer
$300
6.0% of take-home income is not yet assigned.
Compare this plan with at least one full month of statements. Weekly timing still matters: a month can balance overall while an early bill arrives before income.