You don't have to be a Dummy with your Money.
Budget Dummy was built on one simple belief: understanding your money shouldn't require a finance degree, a spreadsheet, or an accountant.
Who it's for
Everyone. Not just people with steady paychecks — but retirees, gig workers, people on fixed incomes, students, and anyone who has ever looked at their bank account and wondered where it all went.
Most budgeting tools assume you already know what you're doing. Budget Dummy assumes you don't — and that's exactly the point.
How it works
Enter what money you have coming in and how often you receive it. Budget Dummy converts everything to a monthly total and shows you a simple 50/30/20 split — how much should go toward your needs, your wants, and your future.
That's it. One input, one clear result, one moment of clarity.
The 50/30/20 rule
A straightforward framework for dividing your money: 50% to the things you need to live, 30% to the things you enjoy, and 20% toward savings, debt, and your future. It's not a perfect rule for every situation — but it's one of the most powerful starting points in personal finance.
Free, always
Budget Dummy is and always will be free to use. No account required, no data stored, no strings attached. What you enter stays on your screen and goes nowhere else.