Where Did My Money Go?
A one-month look at where your money actually went.
Your Take-Home PayLast month
Take-home pay last month The amount that actually landed in your account
$
Please enter your take-home pay to continue.
The Fixed StuffThings you had no real choice about
Housing
$
Transportation
$
Utilities and phone
$
Debt payments
$
The Flexible StuffWhere it gets interesting
Food
$
Subscriptions
$
Everything else
$
Here is where your money went last month.
Take-Home Pay
$0
Fixed Spending
$0
Flexible Spending
$0
Untracked Gap
$0
% Accounted For
0%
Spending breakdown
Housing $0
Transportation $0
Utilities and phone $0
Debt payments $0
Food $0
Subscriptions $0
Everything else $0
Total accounted for$0
Your results will appear here.
Want to go deeper? The Life Support vs. Lifestyle Split Calculator helps you see exactly how much of your spending keeps the lights on versus how much is a choice you can adjust. Try it at plantolive.com/life-support-vs-lifestyle-split-calculator
✎ Know-Do-Review
Know
Fixed spending is what you owe regardless of how the month goes. Flexible spending shifts based on your choices. Knowing which is which is the first step to changing anything.
Do
Pick one number in the flexible section that surprised you. Decide what you will do differently next month. One change is enough to start.
Review
Run this check-in again next month. Use the same categories each time so you can compare. It takes less than five minutes once you get the habit.
- Take-home pay
- The money that actually lands in your account after taxes and deductions. This is your real starting number. It is different from your gross pay, which is what you earn before deductions come out.
- Fixed spending
- Money that goes out the same way every month, whether you like it or not. Housing, car payments, and minimum debt payments fall here. You made a commitment at some point, and now the money leaves automatically.
- Flexible spending
- Money you choose to spend, even if it feels routine. Food, subscriptions, and everything else fit here. The amounts can change month to month based on your decisions.
- Untracked gap
- The difference between your take-home pay and what you accounted for. This is not a failing. It is information. A large gap tells you there is money leaving your account in ways you have not named yet.
- Spending awareness
- Knowing, in broad strokes, where your money goes each month. This is not about tracking every coffee. It is about seeing the big picture clearly enough to make one good decision at a time.
Plan To Live is your real-world financial educator and coach. We turn hopes into habits with a simple, proven framework.
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