Everything you need.
Nothing you don't.

Every dollar has a job. Or it works against you.

You have $X left each week.

Enter income and every fixed cost. The remaining balance is your UWI — your actual starting point for savings, debt, and everything else.

See your number. Own it.

$50/wk at 2% → $3,847 in 52 weeks.

Run any amount at 2% weekly escalation — the same rate the EKKO Arena uses. Watch what discipline actually builds, week by week.

Pick a weapon. Give it a date. Kill it.

$20/wk clears a $1,200 loan in 6 months.

Enter any debt balance and interest rate. Apply a weekly amount. Get an exact payoff date and total interest eliminated.

Your employer owes you more. Collect it.

First home. Retirement. Real numbers.

Model different contribution rates, employer match, and fund types. See what your balance looks like at 65 — or at first home.

Know exactly what lands in your account.

Your actual take-home, after everything.

Enter gross salary or hourly rate. Get exact net weekly pay after tax, ACC, and KiwiSaver. Your real Budget Builder starting number.

One number. No filter. Your real position.

Assets minus liabilities. Updated any time.

List what you own and what you owe. Watch the gap close as savings compound and debt falls.

You think you earn $35/hr. See your real number.

Commute, hidden costs, unpaid time — translated to hours of your life.

Three tabs. Reality, the costs you never count, and what every expense actually costs in hours.