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Plan the month before it starts, then record what actually happened. The gap between the two columns is where budgets are won.
$0 planned · $0 actual
$0 planned · $0 actual
$0 planned · $0 actual
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Fill in the “planned” column before the month begins — give every expected dollar a job. As the month runs, record actuals. Overspending in one category isn't failure; it's information. Move money between categories rather than abandoning the plan.
A common starting split is 50% needs, 30% wants, 20% saving and debt payoff. Your fixed expenses tell you quickly whether the 50% is realistic where you live.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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