Free tool — no email required

What Is Your Real Monthly Surplus?

Enter four real numbers. See your actual monthly surplus or deficit, your real savings rate, and how many months to a 3-month emergency fund — computed instantly in your browser, nothing sent anywhere.

Monthly take-home income ($) Essential fixed costs — rent/mortgage, utilities, insurance, minimum debt payments ($) Subscriptions & memberships ($)

Check your last 60 days of statements — most people undercount this by $50-150.

Everything else — eating out, shopping, entertainment ($)

Fill in the four fields and click "See my real number" — your result appears here, computed entirely in your browser. Nothing is sent to FORGE except an anonymous "completed" event with no dollar figures attached.

This is a one-month snapshot, not a tracking app — run it again next month with real numbers to see whether things are moving the right direction. Money Reset OS turns this snapshot into a full subscription audit, debt payoff order, and a concrete 90-day plan.