EZ Budget™
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EZBudget
Before you continue
Data consent
EZBudget collects, processes, and stores information you provide — including profile details and financial data — to build your budget, sync across devices when signed in, and improve the service. We do not sell your personal information.
Please review our policies before continuing:
EZBudget
Your Financial Empowerment Journey
Step 1 of 8
Welcome! Let's get started
Select Your Currency
Choose the currency you'll use for your budget
Income
Home & Mortgage
Rent, Savings, Investments & Debt
Cards & Preferences
Select up to 3
What brings you to Finducation?
Select all that apply
How did you hear about Finducation?
Select all that apply
Track Your Flow
Tell your money where to go before it goes.
Simple income & expense tracking with intelligent insights
Discover Opportunities
Stop waiting for a raise. Create one.
Personalized income-boosting paths matched to your situation
Build Wealth
Make your money work harder than you do.
Long-term strategies for financial resilience and prosperity
Trusted by thousands building their financial future
Financial Dashboard
Here's your financial overview
January 2025
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40–59:
60–79:
80–100:
Empowerment Score
Complete your budget to see your score
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Monthly Income
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Monthly Expenses
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Net Cashflow
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Savings
$0
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Investments
$0
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Total Debt Balance
$0
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Monthly Debt Payments
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Net Worth
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Surplus After Debt
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Wealth Window (mo)
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Liquid Assets
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Debt Payoff (mo)
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Budget Companion
Your AI financial copilot
0%
$0
- months
How long savings last
- months
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Low
Based on your cashflow
Low
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Cashflow, savings added & total
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Cashflow, investments added & total
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Goal vs current amount
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Emergency Fund: Goal $0, Current $0. Set your goal and current amount in Budget or Settings. Status: Surplus (above goal), Goal reached, In progress, or Must start.-
Direction of your finances
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Budget Momentum shows whether you're building wealth or treading water: positive cashflow, saving and investing, and moving toward goals. Great for tracking progress as you learn to budget and improve financially.Income vs Expenses
Monthly ViewExpense Breakdown
0 categories12-Month Cashflow Forecast
Projected12-Month Savings & Investments
Projected12-Month Debt Forecast
Interest, principal & remainingDebt Breakdown
0 debtsSmart Insights
Quick Actions
Challenges this Week
Budget Manager
Track your income and expenses in US Dollars. Select items and set recurrence.
Income
$0Expenses
$0Debts Add each debt with balance (what you owe), interest % (APR), and length (years or months)—we’ll calculate the monthly payment. Use other fees for extra monthly costs (e.g. insurance). Payment is automatic; click the lock icon to enter your own. Totals show on the dashboard and in the 12‑month debt forecast.
Cashflow Summary
Total Income
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$0
Total Income is the sum of all income items in your budget (salary, side hustles, investments, etc.). Add or edit items in the Income section above.Total Expenses
$0
$0
Total Expenses is the sum of all your monthly spending across expense categories. Add or edit items in the Expenses section above.Net Cashflow
$0
$0
Net Cashflow is Total Income minus Total Expenses. Positive means surplus; negative means shortfall. This updates automatically as you modify income or expenses.Status
Enter Data
Enter Data
Status reflects your financial health based on cashflow: Positive (surplus), Tight (small surplus), or Negative (shortfall). A positive surplus allows for savings and debt payoff.Current Savings Balance
for runway calculation
Current Investments Balance
shown on Dashboard
Current HSA Balance
Emergency Fund
Current budget: No budget loaded
Saved Budgets
Manage and load your saved budget profiles
No Saved Budgets Yet
Start by creating your first budget. You can save multiple budgets with different names to compare scenarios or track different time periods.
Income Opportunities
Personalized paths to increase your income based on your profile
Personalized Recommendation
Complete your budget to get personalized recommendations
Wealth Building Strategies
Long-term paths to financial resilience and prosperity
Savings & Emergency Fund
Build a 3-6 month safety net
- ✓ High-yield savings accounts (4-5% APY)
- ✓ Money market accounts
- ✓ Automated savings transfers
Investment Growth
Grow wealth through markets
- ✓ Index funds (S&P 500, Total Market)
- ✓ Dividend ETFs for passive income
- ✓ REITs for real estate exposure
Skill Building
Increase earning potential
- ✓ High-value certifications
- ✓ Online courses & bootcamps
- ✓ Networking & mentorship
🛠️ Wealth Building Tools
Advanced financial calculators and planners
Debt Payoff Calculator
Calculate snowball vs avalanche payoff strategies
Savings Growth Modeler
Project compound interest growth over time
Emergency Fund Planner
Calculate your target emergency fund
Side Hustle ROI
Estimate return on time invested
Credit Utilization Tracker
Monitor credit card usage ratios
HSA Accumulator / Builder
Project Health Savings Account (HSA) growth with contributions, employer match & investment compounding