pay-first · 45/25/30
Freelancer with irregular income
Save first in the good months; the lean ones borrow from your own reserve.
Best for: Invoices that arrive unevenly, with income that can drop by half. Sample income: 14,000 MAD / month.
All templates
- Needs · 45%
- 6,300 MAD
- Wants · 25%
- 3,500 MAD
- Savings · 30%
- 4,200 MAD
Needs
7 categories- Rent2,394 MAD
- Groceries1,512 MAD
- Transport756 MAD
- Utilities630 MAD
- Health504 MAD
- Internet & phone315 MAD
- Insurance189 MAD
Wants
5 categories- Dining out1,050 MAD
- Shopping840 MAD
- Entertainment700 MAD
- Personal560 MAD
- Subscriptions350 MAD
Savings
4 categories- Emergency fund2,100 MAD
- Investments1,050 MAD
- Travel630 MAD
- Charity420 MAD
Total14,000 MAD / month
Saving goals the plan sets up
- Six months of fixed costs42,000 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.