One Rule. Total Control.
The 70/20/10 Method is the simplest, most powerful framework for managing your money — powered by spreadsheets, built for real life.
Three numbers. One life-changing habit.
Live well within your means.
Needs
Seventy percent of your income covers everything you need — housing, food, transportation, and daily essentials. This is your foundation, not your ceiling.
Build wealth automatically.
Savings
Twenty percent goes directly to your future — emergency fund, retirement, investments, and financial goals. Pay yourself before you pay anyone else.
Give with intention.
Giving
Ten percent is reserved for giving — charity, community, or causes you believe in. Generosity is a financial habit, not an afterthought.
of people who follow the 70/20/10 method report feeling in control of their finances within 90 days.
Simple enough to stick to. Powerful enough to change everything.
- Spreadsheet-powered tracking — see exactly where every dollar goes
- Works on any income level — from $30K to $300K
- Builds savings and giving habits automatically
- Reduces financial anxiety in weeks, not years
- Backed by behavioral finance research
Real people. Real results.
Spreadsheets with instant graphs — see your money at a glance.
Every module ships with a pre-built spreadsheet template. Enter your income and expenses once — the charts update automatically, showing exactly how your 70%, 20%, and 10% are tracking in real time.
- Income vs. expense bar chart — updated every month
- Allocation donut chart — see your 70/20/10 split instantly
- Savings growth line graph — watch your wealth build
- No formulas to write — everything is pre-built for you
Allocation breakdown
Savings growth (6 months)
This month
I went from living paycheck to paycheck to having a 6-month emergency fund in under a year. The 70/20/10 method made it feel effortless.
Sarah M.
Graphic Designer, 28
I tried every budgeting app out there. Nothing stuck until I found this method. It's the only system that actually fits how I think about money.
James R.
Software Engineer, 34
At 52, I thought it was too late to get my finances together. This course proved me completely wrong. I'm on track to retire at 62.
Linda K.
Teacher, 52
Your financial turning point starts here.
Join thousands of students who've taken control of their money with one simple rule.
Join 4,200+ students already enrolled