interactive · 5–8 min · no sign-up

Where should your next dollar go?

The r/personalfinance flowchart turned into a conversation. Answer questions about your income, bills, and goals, get a personalized map of where each dollar should land.

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Essentials

First, do you have a working budget?

A budget just means you know roughly what comes in and what goes out each month. Even back-of-napkin numbers count. If you don't have one yet, we'll point you to a guide that builds one in 15 minutes.

your map will appear here →

A step-by-step breakdown of where each dollar lands, finish the questions above to see yours.

Each priority takes its slice from the top, and the remaining surplus drops to the next stop. What's left at the bottom is yours to spend freely.

Take-home pay

Essentials

Build a starter emergency fund

Capture employer match

Crush high-interest debt

Top up retirement

What's left for you