12-month budget
Three editable scenarios: base, pressure and adjustment.
Tools
The Money Code — Action Kit
Turn reading into a concrete plan: your budget, debts, payments and next 90 days.
The digital package
One Excel workbook and a 12-page PDF guide, entirely in English.
20 debts
Repayment estimates and a warning when payments do not reduce the balance.
30 payments
Due dates, status and remaining amounts due.
13 weeks of action
Goals, evidence and next steps in a 90-day plan.
Guide and workbook
Instructions, a numerical example and printable worksheets.
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Try the free browser version below. The Excel package includes additional features.
Monthly budget
Monthly balance€0.00
90-day plan
Days 1–30: observe
Record income, expenses and every payment deadline.
Days 31–60: adjust
Choose one expense to reduce and set a realistic reserve.
Days 61–90: consolidate
Compare results with your plan and set the next goal.
Debt organizer
Debts are not automatically included in the budget; enter total payments above.
Estimate assumes constant interest and fixed monthly payments; excludes fees and new borrowing.
Payment calendar
User guide
1. Select currency and fill in your budget. 2. Add debts and due dates. 3. Write your 90-day goal. 4. Save and export. Review monthly.
My data
Your data stays in this browser and does not sync across devices. Export a copy before clearing browser data.
The complete kit
Editable planners, a user guide and exercises in your language.
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Explore the book ↗Before you begin
Is the course free?+
Yes. No account is required. Your progress and notes stay in this browser.
Which language is the book in?+
The portal presents front and back covers in English, Romanian, Arabic, Spanish, Russian and Chinese. Each language displays its matching book. Purchase links will be added after the exact editions are confirmed.
Is this personal financial advice?+
This is general education about money and behavior, without assessment of your individual circumstances.