Budget Flow is a budgeting tool that helps users take control of their finances and optimize investments. By inputting income, expenses, and spending, they can allocate remaining funds across customizable categories like savings, ETFs, or crypto. A Sankey diagram and a detailed table provide a clear monthly breakdown for efficient financial planning.
Managing personal finances effectively requires both strategic planning and clear visualization. To address this need, I have developed a tool that allows users to visualize their budget using a Sankey diagram. This tool leverages the Zero-Based Budgeting (ZBB) methodology, ensuring that all income is allocated at the beginning of the month, leaving no unassigned funds by the end.
Zero-Based Budgeting is a method where all income is distributed into predefined categories, ensuring that every euros has a purpose. The primary categories include essential expenses such as rent, utilities, groceries, and transportation, discretionary spending like entertainment, dining out, and subscriptions, and investments where the remaining funds are allocated to assets chosen by the user, such as savings accounts, stocks, ETFs, and cryptocurrencies. The goal is to ensure that by the end of each month, no money remains unallocated, optimizing financial efficiency and investment potential.
The tool provides a Sankey diagram that visually represents the flow of income from earnings to expenses and investments. Users can customize their financial distribution based on predefined percentages, helping them understand how their income is allocated in real time. The Sankey diagram dynamically adjusts as users modify their budget allocation, providing a clear and immediate overview of their financial flow. Users can choose specific assets and allocate a percentage of their remaining funds to each category. The tool supports different investment frequencies, allowing users to invest once per month, every two weeks, or weekly. By selecting their preferred frequency, users can optimize their investment strategy based on cash flow and market conditions.
This tool provides complete financial control by eliminating uncertainty and ensuring that all income has a predetermined purpose. It enables strategic investment planning by automating fund allocation and encourages disciplined spending and investing habits.
This tool is designed for individuals looking to enhance their budgeting strategy using Zero-Based Budgeting principles. By integrating a visual and interactive Sankey diagram, users can clearly see where their money is going and make informed decisions about their investments. Whether investing weekly or monthly, this tool simplifies the process, ensuring that all financial resources are utilized effectively.