Tim's Budget System

The Rule is Simple:
Column 3 Must Equal Column 5

Every dollar that comes in must be assigned somewhere. Total checks written equals total paychecks brought home — every single month.

⚖️
The Non-Negotiable Rule Column 3 (Total Checks Wrote) = Column 5 (Net Paychecks). Every dollar is assigned. No exceptions.
Select Month:
Column 5 — Net Income
$0
Total paychecks this month
Column 3 — Total Checks Wrote
$0
Every dollar must be assigned
Difference (must be $0)
$0
Enter your income and expenses
Savings Rate (goal: 20%)
0%
Total saved ÷ net income
$0 unassigned
of $0 net income assigned Start entering values
Col 1 — Name of Bills Col 2
Mo Owed Min		 Col 3
Mo/Total Paid		 Col 4
Amount Saved		 Col 5
Total Paychecks
Monthly Balance
Net Income (Col 5) $0
Checks Wrote (Col 3) $0
Unassigned $ $0
Survival Number $0
MM Float Needed (3×) $0
Savings Rate Progress
0% Goal: 20% 30%+
Total Saved This Month $0
Savings Rate 0.0%
Giving YTD $0
Net Worth Tracker
Money Market Balance
401k Balance
Mutual Fund Balance
Stock Balance
Equity in Home
Equity in Rentals
Cash Net Worth $0
Total Net Worth $0
Tim's 3 Non-Negotiables
Column 3 = Column 5. Every dollar that comes in must be assigned. If it's not assigned, it gets spent on nothing.
Climb to 20% savings rate. Extra debt payments count — paying above minimum eliminates debt and builds net worth.
Money Market Float = 3× your Survival Number. This is your real emergency fund — calculated, not guessed.
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