Elven Financial — Personal Finance Tools

Zero-Based Budget Calculator

Give every unit of income a job before the period starts. Enter last period's numbers for reference, then decide — line by line — what this period actually needs. The ledger tape on the right settles to zero once everything is assigned.

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Every dollar in the current-period column needs a job.
Ledger Summary
Total income (100)$0.00
Fixed obligations (200)$0.00
Living & variable (300)$0.00
Savings & debt (400)$0.00
Discretionary (500)$0.00
Total allocated$0.00
To Be Budgeted
$0.00
Add income to begin.

Allocation by account

Nothing allocated yet.
Reference only — no rule is enforced here: a common rough guideline splits income roughly 50% fixed obligations, 30% living & discretionary, 20% savings & debt paydown. Your household's right mix depends on your own numbers.

Budget Statement

Account Last Period This Period Change % of income