Your Real Numbers
💡 Use your actual take-home pay — what hits your bank account each month. W2 employee? Use your net paycheck. 1099/locum? Use your deposits minus what you're already holding for taxes.
$
What actually lands in your account each month
$
1099 / locum / business owner: what you're holding for taxes. W2: enter 0.
$
Enter the TOTAL of your required monthly minimum debt payments (credit cards, student loans, personal loans).
Do not include housing, car expenses, insurance, or everyday living costs — those are handled separately in your core living expenses.
Do not include housing, car expenses, insurance, or everyday living costs — those are handled separately in your core living expenses.
This amount protects your credit and keeps your debt current.
$
Housing + food + car + personal care — everything you truly need
$
What you already have saved in your emergency fund
Financial Foundation
My Debt Has A Payoff Plan
You have a strategy in place — making consistent payments above your minimum
I Have Started Investing for Retirement
Signals you're ready for Investor Mode — your Retirement Lockbox allocation is always included
1
Stability
2
Builder
3
Investor
🛡️ Moat Progress
Saved: $0
0.0 of 3 months
Phase 2 → $0
Phase 3 ready → $0
$0
Take-Home
$0
Tax Set-Aside
$0
Available to Allocate
Your 9 Buckets
Your buckets activate in sequence — not all at once.
Build your floor (Lifestyle & Joy). Secure your foundation (Moat). Then build your future (wealth buckets).
Build your floor (Lifestyle & Joy). Secure your foundation (Moat). Then build your future (wealth buckets).
Important Notice
Freedom Buckets™ is a financial decision framework — not financial advice. The allocations shown are educational recommendations based on the information you entered.
Every financial situation is unique. Please consult a licensed financial advisor before making significant financial decisions. Tax strategies, debt payoff plans, and investment allocations should be reviewed by a qualified professional.
Every financial situation is unique. Please consult a licensed financial advisor before making significant financial decisions. Tax strategies, debt payoff plans, and investment allocations should be reviewed by a qualified professional.
Freedom Buckets™ is designed to help you act with intention at every phase of your financial journey.