The Money Defaults Audit
See how much of each month is spoken for before it begins.
Example boardMade-up figures
| Leaves | Payment | Every | Amount |
|---|
days of income already spoken for, before anything is chosen
5 to 10 minutes. No sign-up. Your numbers never leave this browser.
For education only, not financial advice.
What lands in your account each month?
Your take-home pay, after taxes and deductions. If it changes month to month, use a typical month.
Your numbers never leave this browser.
What leaves every month?
List every payment that repeats. Look through your last two bank and card statements, and your phone's subscriptions.
Take-home pay
Committed
Flexible
Often missed
| Where it goes | Per month | Share |
|---|
Old defaults
| Since | Payment | Per month |
|---|
What you decided
| Decision | Payments | Per month | Per year |
|---|
By category
| Category | Per month | Share of payments |
|---|
Three questions to sit with
- Which of these did you actively choose, and which simply continued because nobody stopped them?
- If you started this month from zero, which would you sign up for again today?
- What would you do with the money that's yours to choose if it were twice as large?
Keep your result
The image shows percentages and days only, never your amounts, so it's safe to share. The list is a spreadsheet file of everything you entered.
Watch The Paycheck Effect on YouTube
For education only, not financial advice.