Guides

These guides explain the One Number method, show variations on it, walk through examples of using the app, and provide fundamental principles for getting clarity into a household's or a business's finances. They are not financial advice, just the method written down plainly. Every one is free to read, and the calculator can give you your own number in about a minute.

• How Much Can I Spend Per Month?Your checking balance can't tell you what you actually have to spend this month. Here's the simple subtraction that can, in under a minute.
• Budgeting Paycheck to PaycheckForty-category budgets break when money's tight. Here's the one-number version that holds up paycheck to paycheck, and the habit that stops the ambush bills.
• Cash Stuffing Without the CashWhat makes cash stuffing work is the visible stop of an empty envelope. Here's how to keep that stop with one card and one number, no cash to carry.
• Budgeting Without Linking Your BankYou can run a real budget without connecting your bank account. Here's the no-link method, why you'd want it, and what you give up in return.