Create your first budget in 15 minutes

Payday Audit uses a 12-step guided wizard. The first time through takes about 15 minutes. After that, most people roll over their previous budget and tweak what changed — 2 minutes tops.

Before you start

• Your net take-home income amount and how often you're paid.
• Any debts with their balances, interest rates, and minimum payments.
• Rent/mortgage, utilities, groceries, transportation costs.
• Emergency fund balance and your savings goal.

The flow

The wizard walks you through your money in priority order: survive (debt minimums + shelter + transport + food) → choose your focus (debt attack, balance, or breathing room) → protect (emergency fund + workplace match) → grow (extra debt payoff + investments) → finish the plan. Hitting $0 remaining means every dollar has a job.