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Every dollar,
a job to do.

Your monthly take-home against the lines a frum household really has: tuition, Shabbos and Yom Tov, simchas, maaser. See what is left, where it goes and the one change that matters most.

Fifteen lines · Suggestions scaled to your household · A 50/30/20 view

Start Find your take-home

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Left over each month

$335

Take-home

$9,400

Planned spending

$9,065

Of every $100 that comes in, $96 already has a job. The rest is $335 a month to point somewhere on purpose.

Where $9,400 goes

    Your month

    $/mo
    What lands in your account after tax, for the whole household. Take-home pay works out the exact figure.
    $/mo

    Lines you have not changed follow your household size. They are illustrations to start from, not what a family should spend.

    Fine-tune 15 more inputs
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    Used for one thing: when a leftover would build three months of essentials.

    Maaser starts at 10% of take-home and follows it until you change it. Debt payments are your minimums; extra payments belong in savings.

    What is left

    Left over each month

    $335

    3.6% of take-home · $4,020 a year

    Show each line

    A planning sketch, not advice. The suggested lines are illustrations scaled to household size. The emergency-fund date assumes the leftover and your savings line both go to savings, with no interest.

    Figures checked November 2026. The take-home estimate from your numbers uses IRS 2026 brackets and standard deduction and the 2026 Social Security wage base. The 50/30/20 rule is from Elizabeth Warren and Amelia Warren Tyagi, All Your Worth (2005).

    A budget that holds.

    Start from real numbers

    • Take-home, not salary. Budget what reaches the account, after tax and what comes off before.
    • Average the lumpy lines. Yom Tov, simchas and clothing come in bursts. Divide the year by twelve.
    • Check one month. Your statements show what you really spend; the suggestions here are only a start.

    When it comes up short

    • Find the biggest lever. A tenth off a large line beats cutting a small one to nothing.
    • Ask about tuition. Most schools have a scholarship committee; ask before the year begins.
    • Keep maaser in the plan. Ask your rav how it applies when money is tight.

    When there is money left

    • Emergency fund first. Three months of essentials keeps a bad month from becoming debt.
    • Then high-rate debt. Every card balance paid is a guaranteed return at its APR.
    • Then the long run. Retirement, tuition and simchas that are still years away.