A SIMPLE, HOLISTIC FINANCIAL FITNESS CHECK

Your spending.
Your future.
Your next 1%.

Get a clear snapshot of where you stand financially— and what a small 1% shift could mean for your future.

Understand where your money is going
Get clarity on your spending and savings habits.
See how you’re positioned for the future
Review your retirement outlook with confidence.
Discover what 1% can do
See how a small shift today can grow over time.
  A SIMPLE, HOLISTIC FINANCIAL FITNESS CHECK
 

Your spending.
Your future.
Your next 1%.

Get a clear snapshot of where you stand financially—and what a small 1% shift could mean for your future.

Understand where your money is going
Get clarity on your spending and savings habits.
See how you’re positioned for the future
Review your retirement outlook with confidence.
Discover what 1% can do
See how a small shift today can grow over time.
How are you doing now?

Use your take-home pay to estimate how much should be going to needs, wants, and future goals. This gives you a fast snapshot of whether your current spending pattern looks aligned or stretched.

How are you positioning yourself for the future?

See your current retirement savings rate as a percentage of income and project it forward to your desired retirement age using growth and inflation assumptions.

What difference could 1% make?

Discover how a small budget adjustment today could create meaningful future wealth with minimal impact on your current lifestyle.

A Clearer Way To Think
About Your BUDGET

A Clearer Way To Think About Your BUDGET

Most people think financial improvement requires a dramatic overhaul. In reality, progress often starts with better visibility. When you can see how your spending, saving, and future planning work together, better decisions become much easier.

The goal is not perfection.
The goal is to understand your financial fitness now, strengthen your position for the future, and make small, sustainable moves that actually stick.

Most people think financial improvement requires a dramatic overhaul. In reality, progress often starts with better visibility. When you can see how your spending, saving, and future planning work together, better decisions become much easier.

The goal is not perfection.
The goal is to understand your financial fitness now, strengthen your position for the future, and make small, sustainable moves that actually stick.

What does 1% really cost your
current budget?

What does 1% really cost your current budget?

The calculator can also show the estimated impact on take-home pay if you increase retirement savings by 1%, so users can see the tradeoff in real dollars instead of assuming it will feel impossible.

After-tax contribution

$XX less

If the extra 1% is Roth


Because Roth contributions are made with after-tax dollars, take-home pay would generally decrease by the full extra contribution amount.

 

Pre-tax contribution

$XX less

If the extra 1% is pre-tax


Because pre-tax contributions reduce taxable income, the drop in take-home pay is usually smaller than the full 1% contribution. This helps users see that the real paycheck impact may be more manageable than expected.

Built to educate, not overwhelm

Built to educate,
not overwhelm

This tool was designed to make financial planning feel simpler, clearer, and more empowering. It brings budgeting and retirement planning together in one place so users can quickly understand both the present and the future.

It is the kind of practical, confidence-building tool that helps people stop guessing and start making informed decisions.

Simple

Straightforward insights you can easily understand.

Practical

Real-world scenarios that help you take action.

Empowering

Build confidence in your financial decisions.

See exactly where you stand—and what your next 1% could do.


Get a personalized snapshot of your spending, your future trajectory, and how a small shift today can create meaningful long-term impact.

See Where I Stand Financially →


For educational purposes only. This tool is designed to provide general financial education and is not considered financial, tax, or investment advice. It uses simplified assumptions and is not individualized guidance. Finlightenment Financial Learning Group — Financial Enlightenment Awaits.