| Category | This Month $ | Next Month $ | Weekly $ | Insight / Payoff | Avg Rec % | Your % | Status |
|---|---|---|---|---|---|---|---|
| 🏠 Housing & Food — Base Life | |||||||
|
Housing BAH covers — lives on base
🏆
Army Freed
~$578/mo |
$0 Army covered |
— |
— |
Avg civilian: $578/mo | Avg 28% | 0% | ✓ Army |
|
Food Dining facility on base
🍽️
Army Freed
~$273/mo |
$0 Army covered |
— |
— |
Avg civilian: $273/mo | Avg 13% | 0% | ✓ Army |
| 📱 Essential Bills — Paid Before Savings | |||||||
Phone Essential · T-Mobile military plan |
This month |
Next month |
— |
Essential bill | Avg 2% | — | — |
Personal Care Essential · Haircuts, hygiene |
This month |
Next month |
— |
Essential bill | Avg 3% | — | — |
| 🚗 Transportation | |||||||
|
Car Payment Financed vehicle
Balance remaining—
Months at this payment—
At next month's payment—
|
Min payment |
Next month |
— |
Enter loan details below | ≤ 12% | — | — |
Loan Details Enter once — updates automatically |
Loan Balance $ Interest Rate % |
Enter balance and rate to see 60-month breakdown | |||||
Car Insurance Added to mom's policy |
This month |
Next month |
— |
Mom's policy saves ~$190/mo vs solo | Avg 7% | — | — |
Gas & Maintenance Fuel, oil, tires |
This month |
Next month |
— |
— | Avg 2% | — | — |
| Transport Subtotal | — | — | — | — | Avg 19% | — | |
| 🎮 Lifestyle — Non-Essential | |||||||
Entertainment Eating out, subscriptions, fun |
This month |
Next month |
— |
Non-essential — flex budget | Avg 7% | — | — |
Clothing Civilian wear — uniform provided |
This month |
Next month |
— |
Non-essential — flex budget | Avg 2% | — | — |
| Lifestyle Subtotal | — | — | — | — | Avg 9% | — | |
| 🙏 Giving | |||||||
Tithe / Donation 3% recommended · Give first |
This month |
Next month |
— |
3% = $63/mo suggested | 3% | — | — |
| 🛡️ Emergency Fund — Priority #1 Before Investing | |||||||
|
Emergency Fund
Goal: $1,000 · All leftover after essential bills goes here first
💡 Essential bills = Transport + Phone + Personal Care. Everything else (giving, investing, lifestyle) is secondary until $1,000 is saved.
Saved: $0 · Still need: $1,000
|
Total saved so far
Suggested: $—
This month's payment
|
Next month
|
— |
— | All left | — | Priority ↑ |
| 📈 Investing — After Emergency Fund is Met | |||||||
TSP (Thrift Savings Plan) Army 401k — minimum 5% to get full match |
This month |
Next month |
— |
— | 5% min | — | — |
Roth IRA Tax-free growth · $7,000/yr max |
This month |
Next month |
— |
— | 3–5% | — | — |
| Investment Subtotal | — | — | — | — | Avg 8% | — | |
| 🎯 Next Savings Goal — After Emergency Fund & Investing | |||||||
|
Next Goal
Name it and own it
|
Goal amount $
|
— |
— |
Leftover after all bills flows here | Leftover | — | — |
| Total Budgeted This Month | — | — | — | — | — | — | |
| Remaining — Every Dollar Accounted For | — | — | — | — | — | — | ← Goes to emergency fund |