Budgeting tool
Worldbase
Split the paycheck, then see what that pace does for freedom.
How much landed?
How often
About $5,200.00 a month, $4,940.00 after the reserve.
Taxes
Start from a plan
Where it goes
$2,280.00
$120.00 held for taxes first. This paycheck.
Turn a fund off and its dollars spread across the ones still on.
Each fund
Switch a fund off to pause it. The dollars move to the funds still on. Open Edit to rename, remove, or send this whole paycheck to one fund.
The shares use the whole paycheck. Nothing left over.
$1,026.00
On · Need45%
$342.00
On · Need15%
$570.00
On · Debt25%
Enter what you still owe, or pause this fund. Until then this share is only a plan.
$228.00
On · Future10%
Goal reached in about 4 months if this paycheck keeps repeating.
$0.00 of $2,000.00
$114.00
On · Future5%
Goal reached in about 3.4 years if this paycheck keeps repeating.
$0.00 of $10,000.00
—
Paused · FutureOff
Paused. Its dollars go to the funds still on.
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Paused · WantOff
Paused. Its dollars go to the funds still on.
$0.00 of $1,500.00
—
Paused · WantOff
Paused. Its dollars go to the funds still on.
$0.00 of $1,500.00
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Paused · DebtOff
Paused. Its dollars go to the funds still on.
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Paused · FutureOff
Paused. Its dollars go to the funds still on.
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Paused · GivingOff
Paused. Its dollars go to the funds still on.
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Paused · NeedOff
Paused. Its dollars go to the funds still on.
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Paused · WantOff
Paused. Its dollars go to the funds still on.
Where this leads
Same paycheck, 13 times in six months and 26 times in a year. Colors match the funnel. Paused funds are left out.
6 months
$22,230.00
set aside from paychecks
$7,410.00 toward debt
1 year
$44,460.00
set aside from paychecks
$14,820.00 toward debt
- Bills fund$13,338.00on hand$26,676.00on hand
- Daily life fund$4,446.00on hand$8,892.00on hand
- Debt paydown fund$7,410.00planned$14,820.00planned
- Savings bufferGoal reached in about 4 months$2,964.00100% of the goal$5,928.00100% of the goal
- Emergency fundGoal reached in about 3.4 years$1,482.0015% of the goal$2,964.0030% of the goal
How long to freedom
No pace yet
Investing, Retirement are marked Freedom, but off, so this paycheck adds nothing to the years.
$342.00 of this paycheck goes to Savings buffer, Emergency fund. That is emergency cash: money to live on if the paychecks stop. It does not change the years.
$0.00 saved in freedom funds, toward $889,200.00
Change what counts
Freedom shortens the years. Emergency is cash to live on. A fund can be one, both, or neither.
- Bills fund$1,026.00
- Daily life fund$342.00
- Debt paydown fund$570.00
- Savings buffer$228.00
- Emergency fund$114.00
- InvestingOff
- Vehicle fundOff
- Travel fundOff
- Credit card fundOff
- RetirementOff
- GivingOff
- HealthOff
- Life & adventuresOff
If this keeps up
No pace yet toward freedom
A sketch if this paycheck repeats. Not a forecast.
Future rate
0%
$0.00 a month toward future-you, out of $5,200.00.
Emergency cash
None yet
Mark a fund as emergency cash and record what is saved. A buffer or emergency fund is the usual place.
Debt
Nothing entered
Enter what you still owe on a debt fund. Payments from a recorded paycheck reduce it.
Freedom number
$889,200.00
0% funded with $0.00 invested · No pace yet.
Assumptions you can change
Using $35,568.00 from needs, wants, and giving.
Recorded
Nothing yet. When the money arrives, tap Record paycheck. Savings grow. Debt goes down.
Worldbase is a worksheet for dividing a paycheck. It is not tax, debt, or investment advice. Your rate, your match, and the size of a real emergency fund depend on your life — change any of it.