Adulting Finances

The Plan Builder · included in The Adulting Finances Program

Build a financial plan from your own numbers.

A guided tool that turns your income, spending, debt, savings and benefits into a clear picture of where you stand, what is still missing and what is changing soon.

  • Secure checkout by Stripe
  • One-time purchase
  • Progress saves as you go
Plan Builder results: monthly cash flow, emergency runway, the debt-free timeline at minimum payments and net worth, with what the numbers already show.
What the Plan Builder showed Maya, a fictional learner, from the numbers she entered.

Is it right for you?

Built for people with real numbers and competing priorities.

A good fit if

  • You earn money but aren’t sure what to prioritize
  • You’re balancing debt, savings and goals at the same time
  • You want a clear plan without an ongoing fee

Probably not for you if

  • You want someone to choose specific investments for you
  • You need tax preparation or legal advice
  • You want your bank accounts connected automatically. Entry is manual by design

What’s included

Six short steps in. A complete picture out.

Starter templates help you fill in each step, and every number you enter can be changed later.

What you enter

  1. 1. IncomeTake-home pay from each source.
  2. 2. ExpensesRecurring monthly spending, with starter templates.
  3. 3. DebtsBalances, interest rates and minimum payments.
  4. 4. AssetsCash, investments, retirement accounts and property.
  5. 5. GoalsTarget amounts and dates for what you’re saving toward.
  6. 6. BenefitsRetirement plan, match, HSA and regular contributions.

What you get

  • Monthly cash flow, savings rate and net worth
  • A plain summary: what we know, what we still need, what is changing soon
  • Cash runway in months, and the gap to a target you choose
  • Debt payoff order, estimated timeline and total interest
  • Your monthly surplus, stated plainly: the Plan Builder doesn’t pick a split
  • Whether your dated goals fit your surplus
  • Scenario testing with sliders and four preset splits
  • Review triggers for income drops, new debt and windfalls, with questions to answer in advance
  • A PDF summary of your inputs, results and assumptions
Results are educational estimates based on what you enter and the rules described below. They aren’t a guarantee of any outcome.

How it works

From checkout to a plan you can follow.

  1. 1

    Enroll in the program

  2. 2

    Enter your numbers; progress saves as you go

  3. 3

    Review your results and test scenarios

  4. 4

    Download your PDF and update it as life changes

Transparent methodology

How the numbers are calculated.

No black box. These are the rules the Plan Builder applies, so you can judge the results for yourself.

What it doesn’t do

  • Recommend specific stocks, funds or accounts
  • Calculate taxes or file anything
  • Check or change your credit
  • Connect to or move money in your accounts
Cash flow
Monthly take-home income minus expenses and minimum debt payments.
Cash runway
Cash accounts divided by monthly expenses plus minimum debt payments. The illustration uses a 3-month target that you can change.
Debt timeline
Modeled with minimums on every balance, extra toward the highest interest rate first, and each paid-off minimum rolled into the next debt. That is one common method, not the only one. Interest compounds monthly at the rates you enter.
Surplus splits
The Plan Builder doesn’t pick a split. It shows four preset splits side by side, and you can set your own with the sliders to see how each changes your runway, payoff date and goals. Contributions you already make are subtracted first. Debts at 18% APR or higher are flagged; you can change that threshold.
Goals
The monthly amount each dated goal needs, with available surplus shared across goals in proportion to need.
No score
The Plan Builder does not grade your finances or rank your priorities. It shows what your numbers say and leaves the decisions to you.

Questions

Plan Builder FAQ.

How long does it take?

Most of the time goes into gathering your numbers, so have recent bank and loan statements handy. Progress saves as you go, so you don’t have to finish in one sitting.

Do I need to connect my bank accounts?

No. You type in your own numbers. Nothing connects to your bank, card or investment accounts.

Who can see my numbers?

Your plan is saved to your account. Adulting Finances only receives a copy of your report if you choose to send it. The privacy policy explains the services involved.

Can I buy the Plan Builder on its own?

No. The Plan Builder is included in The Adulting Finances Program, where lessons show you how to use each result.

Can I update my plan later?

Yes. Change any number, recalculate and download a new PDF whenever your situation changes.

Is this financial advice?

No. The Plan Builder is an educational tool. It applies transparent rules of thumb to the numbers you enter. It doesn’t recommend specific investments and isn’t individualized investment, tax or legal advice.

Already have access? Sign in to open your plan. Any point your numbers raise has a topic, and the free guides explain it in depth.

Included in The Adulting Finances Program

See what your numbers show, then decide what comes first.

The Plan Builder comes with the program, alongside 13 modules that teach you what the numbers mean and your own written Financial Plan.

See the program