Gen Z Budget Game
Level up your money game! Create a budget that actually works for your lifestyle and unlock achievements along the way.
Step 1 of 425% Complete
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Income
Spending
Goals
Results
Your Income Streams
Add all your money sources - every dollar counts! 💰
Pro tip: Include ALL income sources - freelance work, cash gifts, investment returns, etc. The more accurate, the better your budget will be!
Monthly Income
$0
Total per month
Add your income to continue building your budget!
Why Gen Z Needs a Different Budget Calculator
Traditional budgeting advice doesn't fit the modern realities of gig work, subscriptions, student loans, and variable income. This calculator is designed for today's digital-first lifestyle.
Modern Financial Challenges
Irregular Income
Freelancing, gig work, and contracts create unpredictable income
Subscription Overload
Streaming, apps, and services add up quickly
High Living Costs
Rent, loans, and inflation squeeze budgets
Multiple Income Streams
Side hustles and diverse income sources are common
Digital-First Lifestyle
Most expenses and income happen digitally
How This Calculator Helps
Variable Income Support
Subscription Tracking
Realistic Modern Categories
Flexible Savings Goals
Emergency Fund Planning
Best Practices
1. Track Everything for a Month
Use Mint, YNAB, or a spreadsheet to learn where your money actually goes.
2. Plan for Income Variability
Budget using your lowest-earning month; put extra toward savings or debt.
3. Audit Subscriptions Quarterly
Cancel unused services and look for bundles or family plans.
4. Automate What You Can
Automate savings, debt payments, and bills to pay yourself first.
Frequently Asked Questions
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