Enter your monthly income and spending to see your gap — monthly, annualised, and which financial position you're in right now.
1
Your monthly income
Use what actually lands in your account after tax — not your gross salary. Include wages, benefits, side income, and anything that comes in regularly.
$
If your income varies, use the average of your last 3 months — or your lowest recent month to be conservative.
2
Your monthly spending
Your total from Day 1 — the sum of every category you tracked.
$
↑ Pre-filled from your Spending Audit
Include everything: housing, food, transport, subscriptions, debt repayments, and every other category.
Optional: How long have you been in your current financial position?
This is just for you — it doesn't affect the calculation. Writing it down makes it real.
3
Your survival budget — optional
From Day 5. If you've calculated your survival number (your essential expenses only), enter it here to see your discretionary space.
$
↑ Pre-filled from your Survival Budget Builder
Your survival number = rent/mortgage + utilities + groceries + transport + debt minimums + other non-negotiables.
Monthly income
Monthly spending
Monthly gap
Annualised (× 12)
Your current position
Positive gap ↑
You have room to work with. The question is whether you're using it intentionally or watching it disappear.
Break-even →
You're treading water. One unexpected expense pushes you into debt. More precarious than it feels.
Negative gap ↓
You're going backwards. Every month the hole gets deeper. This is fixable — but step one is knowing how deep it is.
Your reflection
From Day 5
Discretionary space
Monthly income
Survival budget (essentials)
Discretionary space
From the lesson
"Your gap number is not a verdict on you as a person. It's data, and data tells you what the next step needs to be."
Write down your monthly gap and your annual gap. Circle both. If it's negative, this is what you're currently falling behind by each year — and seeing it clearly is the first step to changing it.