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Every paycheck, already planned.

Worthwise helps young professionals budget, track spending and hit savings goals, with calculators that do the maths for you.

Get started free Try the calculators
 

Drag it. The plan below updates using the 50/30/20 rule.

This month’s plan

50 / 30 / 20
Needsrent, bills, food
—
Wantseating out, fun
—
Savingsgoals, cushion
—

Emergency fund

3 months of needs

—

Saving 60% of your savings bucket, it’s fully funded in 13 months.

Ready by —

Lisbon trip

— goal

With the other 40% of savings

— / month

Booked in 8 months

Next 18 months

What are you saving for?

Pick a goal and a timeline. You’ll see the monthly amount that gets you there, and how it fits next to your pay.

Emergency fund

Three months of essentials, for when life happens

12 months (—)

Put aside

— a month

 

Add interest and savings

Five tools that share one picture of your money.

Log a coffee in the expense tracker and your budget, goals and monthly snapshot all move with it. The previews below update live from what you add.

Budget planner

Give every part of your paycheck a job before the month starts, then watch each category pace.

Expense tracker

Log a purchase in two taps. Filter, search and export whenever.

Savings goals

Set a target and a month. We tell you the amount that gets you there.

Calculators

Seven quick answers to the money questions you actually have.

Money guides

Short, plain‑English reads on budgeting, saving, debt and investing basics.

Monthly snapshot

Your whole month, at a glance.

Built live from what you log and plan in the tools. When accounts launch, this grows into your synced dashboard.

What accounts add

This month

Income
$0
Spent
$0
Left to spend
$0
  • Income
  • Spending

Log an expense

New to budgeting?

Watch one paycheck get a plan.

  1. Monthly take‑home pay

    —

    1 1 minute

    Start with your take‑home pay

    Use what actually lands in your account, after tax and deductions. Pick your currency once and every tool works in it.

  2. Monthly take‑home pay

    —

    • Rent—
    • Food—
    • Transport—

    2 10 minutes a month

    Give every paycheck a plan

    Split it across rent, food, bills, fun and savings before the month starts. Begin from 50/30/20, or from what you really spent last month.

  3. Week 2 check‑in

    —

    • Rent—
    • Food—
    • Transport—

    3 10 minutes a week

    Check in once a week

    Log what you spend as you go. Worthwise flags the category that's running ahead while there's still time to adjust.

Plan your first month

What does a small habit really cost?

Pick something you buy often. We’ll show what it adds up to, and what the same money could grow to if you invested it instead.

The habit
$5.00
5

Every year

$1,300

Invested for 10 years

$18,751

  • If invested at 7%
  • Total spent

Assumes a 7% average yearly return, compounded monthly. Real returns vary year to year. Open the full calculator

Learn

Money, explained plainly.

Five-minute reads, no jargon. New here? Follow the path. Looking for something specific? Search the library.

Browse all guides

Start here

0 of 4 read
  1. 1How to budget your first real paycheck 6 minStart here
  2. 2The 50/30/20 rule, and when to break it 5 min
  3. 3Build an emergency fund without feeling broke 6 min
  4. 4Track your spending for 30 days (without hating it) 4 min
Start the first guide

7 guides

Somewhere between a spreadsheet and your banking app.

Spreadsheets can do anything if you build it. Banking apps show what already happened. Pick a job and see how each one handles it.

Spreadsheet

45 min+

Build the categories, write the formulas, then remember to keep it updated.

Partly

Banking app

Not its job

Shows what you spent last month. Planning the month ahead isn't really what it's for.

Not really

Worthwise

10 min

Enter take‑home pay, start from 50/30/20 or last month's spending, and adjust.

Does it well

No bank login, no sign‑up. Everything you enter stays on your device.

Questions, answered.

Search, or pick a topic. Most answers take less than a minute to read.

9 questions

Getting started

  • Yes. Every tool, calculator and guide is free to use, with nothing to unlock.

  • Open the budget planner and enter your monthly take‑home pay. Start from 50/30/20, adjust the categories, and you have a plan in about ten minutes.

    Open the budget planner

  • Not today. Every tool works without one. Free accounts are coming, and they'll add a synced personal dashboard across your devices.

    See what accounts will add

Your data

  • In your browser, on your device. Nothing you enter is sent to a server, and nobody at Worthwise can see it.

  • No. You log what you spend yourself. It takes a couple of seconds per purchase, and people who log by hand tend to notice their spending more.

  • Use the menu (the three dots) on any tool page. Export your transactions to CSV for a backup, or choose Start fresh to delete everything. Clearing your browser data also removes it.

    Go to the expense tracker

Money and currencies

  • Pick naira, dollars, pounds or euros from the menu at the top. Amounts convert at fixed indicative rates so your totals stay comparable. They aren't live exchange rates.

  • They do the maths exactly for the numbers you enter, but real life varies: interest rates change and investment returns go up and down. Treat results as a guide for planning.

    Try the calculators

  • No. Worthwise is educational. The guides explain general principles. For advice about your situation, talk to a licensed adviser.

    Read the guides

Still deciding where to begin?

Most people start with one of these.

Budget Calculators Guides