Out of every $100 you earn, where does it go?

Guess your split out of 100: rent, transport, food, debt, fun and future you. Rough guesses are fine. It takes three minutes, needs no bank login, and nothing you type leaves your browser.

What’s a healthy split?

A common starting point is the 50/30/20 rule: about 50 for needs, 30 for wants and 20 for saving and extra debt payments. Most people aren’t there, and that’s fine. The example above saves 5 out of 100, which is a real start.

What should I change first?

Circle the biggest number that isn’t rent. Usually that’s transport (a car payment), debt or food. Moving even 2 out of 100 from there to future you changes the picture over time. On $1,800 a month, 2 out of 100 is $36 a month, or about $18,753 after 20 years at an illustrative 7% a year.

Why out of 100?

Because a percentage doesn’t ask what you earn. It works at any income, in any country, and it feels less like being judged. ftrme’s Present Me is built the same way.