The HonestMonth field kit
Small tools for decisions that cannot wait.
Run a number, test a plan or trim a crowded week. Every tool works in this browser, keeps no history and asks for no contact details.
13focused tools
5life categories
0entries uploaded
01
Money now
Answer the question in front of this month.
PAY
Paycheck allocation
Assign one deposit, then see what remains and the daily pace until the next one.
Plan this check → RUNEmergency fund runway
Translate cash reserves into months and days of essential costs.
Measure runway → BASEIrregular income baseline
Find a cautious planning amount from recent uneven months.
Find a baseline → DTIDebt-to-income ratio
Compare recurring debt payments with gross monthly income.
Calculate the ratio → PATHDebt payoff comparison
Compare smallest-balance and highest-rate payoff orders.
Compare paths → SPLIT50 / 30 / 20 split
Use a familiar baseline for needs, wants and future goals.
See the split → RECURRecurring cost audit
See the combined monthly and annual weight of subscriptions.
Audit recurring costs →02
Goals
Turn a future amount into the next transfer.
03
Work & focus
Plan the hours you have—not imaginary capacity.
04
Personal & events
Keep meaningful plans realistic.
Need more than one quick answer?
Find the app that fits.
Answer three simple questions about what you need and how you like to work.