zero-based · 60/20/20
Debt payoff year
Every spare dirham goes to one balance — the savings envelope pays the debt.
Best for: A consumer loan or credit card that you want gone within twelve months. Sample income: 12,000 MAD / month.
All templates
- Needs · 60%
- 7,200 MAD
- Wants · 20%
- 2,400 MAD
- Savings · 20%
- 2,400 MAD
Needs
7 categories- Rent2,736 MAD
- Groceries1,728 MAD
- Transport720 MAD
- Utilities720 MAD
- Health504 MAD
- Insurance432 MAD
- Internet & phone360 MAD
Wants
4 categories- Dining out816 MAD
- Entertainment576 MAD
- Shopping528 MAD
- Personal480 MAD
Savings
2 categories- Debt repayment1,800 MAD
- Emergency fund600 MAD
Total12,000 MAD / month
Saving goals the plan sets up
- Clear the consumer loan30,000 MAD
Goals start at 0 — the target is the plan, not a balance you already hold.
Illustrative plan with a sample income. Amounts scale to the income you type; nothing is stored or sent.