Start with the life you want

What would keeping more money in your plan let you do?

Your answer sets the destination. We will work backward to the next practical move.

Have money left before paydayCreate room to breathe in each pay cycle. Stop surprise bills and feesMake upcoming costs easier to absorb. Get out of non-mortgage debtBuild a payoff path I can continue. Feel safe when life happensBuild a usable emergency cushion. Fund something meaningfulTurn a future goal into smaller steps. Finally understand my moneySee what is happening before changing it.

Choose one to continue.

First, protect the essentials

Are your essential bills current right now?

Housing, utilities, food, transportation, insurance, and required minimum payments come before an aggressive payoff plan.

Yes, essentials are currentI may still feel tight, but nothing essential is past due. No, at least one is behindMy first plan should help me stabilize.

Choose the closest answer.

Name what keeps repeating

What gets in the way most often?

This tells Liberty what to put first instead of showing every possible insight at once.

I do not know where to startGive me a clear first move. Recurring costs pile up quietlyHelp me review what keeps renewing. A few categories get away from meHelp me notice drift sooner. My budget never survives real lifeMake room for irregular costs. I avoid looking until something breaksKeep my next decisions short and clear. My income changes month to monthBuild from a safer baseline.

Choose one to continue.

Your stage comes before a budget rule

The best plan depends on what needs protecting first.

Someone behind on essentials needs a different first move than someone choosing between debt payoff and a larger emergency reserve.

A simple monthly snapshot

What does an average month look like?

Close estimates are fine. Enter monthly take-home income, essential expenses, and emergency savings available today.

Monthly take-home income Monthly essential expenses Emergency savings available now

Use take-home income and costs you must cover. Enter 0 when none.

Find avoidable spend and bill-review targets

What costs would you stop, avoid, or put up for review?

Use your estimate of subscriptions you would cancel, avoidable bank fees, and the portion of bills you would actively shop or renegotiate. Enter 0 if none.

Subscriptions I would stopMonthly total you personally consider unwanted Avoidable bank feesOverdraft, NSF, or similar fees in a typical month Bill costs I believe I could reduceThe monthly portion you would shop or renegotiate—not the full bill

Your calculation uses these entries, not a national average. Bill review is a target to investigate—not a promise that the amount can be saved.

You can use 0 for any field.

Compare the path, not just the payment

What non-mortgage debts are you carrying?

Add the balances you want Liberty to compare. Names are optional; balance, APR, and minimum payment power the model.

I have the detailsCompare the payoff paths now. I have debt, but not the detailsKeep debt in my journey and add balances after signup. I do not have non-mortgage debtSkip the payoff comparison.

Extra amount I could put toward debt each month

Do not include a mortgage. Estimates are acceptable and can be updated later.

Two kinds of opportunity

Avoidable costs and modeled interest are not the same thing.

Your Recovery Number includes the recurring costs, fees, and bill-review target you entered. Bill review is an amount to investigate, not promised savings. Any modeled interest difference appears separately with its payoff horizon.

Meet you where you are

How do you manage money today?

This changes how much structure your recommended method includes.

I do not have a system I watch my account balance I use notes or a spreadsheet I use another budgeting app I start budgeting, then stop

Choose one to continue.

Build around your rhythm

How does income usually arrive?

Your plan should match how money actually reaches you.

Weekly Every two weeks Twice each month Monthly It varies

Choose one to continue.

Protect what makes life worth living

What should your plan avoid cutting first?

A workable budget makes tradeoffs without treating every enjoyable expense as a failure.

Family and kids Dining and social time Health and fitness Hobbies and entertainment Travel Giving Convenience and time-savers Nothing specificShow the fastest reasonable path.

Choose a pace

How hard should your plan push?

You can change this later. The target is progress you can continue.

GentleSmaller changes that are easier to sustain. BalancedMeaningful progress with breathing room. FasterMove toward the goal as quickly as reasonably possible.

Choose one to continue.

Set the rhythm

When would a reminder to act feel most useful?

This personalizes the plan. It does not subscribe you to email or notifications.

Once a week Around each payday Only when something changes Once a month

Choose one to calculate your result.

Using only the numbers and choices you entered

Calculating your Recovery Number

Liberty is separating avoidable future costs from modeled interest, choosing your financial journey, and matching a budgeting method.

National benchmarks do not determine your personal result.

Your estimated annual opportunity

Your plan is ready

Calculated from the unwanted recurring spend, fee run rate, and bill-review target you entered.

Next 90 days—

Monthly cash flow identified—

Interest avoided vs. minimum payments—

This is an opportunity estimate, not a refund, guarantee, or verified savings total.

Recommended journey

Your next financial chapter

What it can unlockA clearer first move and a plan you can repeat.

Your calculation

Where the number comes from

Recommended budget style

Your starter method

Start here

Protect first

Plan rhythm

Other methods you can choose

Compare the monthly budget styles

Alternative

Zero-Based Control

More control, with more monthly planning.

Alternative

Flexible Guardrails

Broader targets with room to adapt.

Alternative

Irregular-Income Floor

A conservative baseline for changing income.

Review calculation assumptions

Choose how to continue

Save the plan, then decide how automatic it should be.

30-day manual trial

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Manual entry and CSV imports
Personalized plan and reports
Ends without an automatic charge

Save My Number & Start Manually

Paid Liberty Auto

Connect after subscribing

Supported banks and credit cards through Plaid
Automatic transaction updates for review
Institution and field coverage varies

See Auto Pricing

How to read this result

The headline annual and monthly Recovery Number adds only the unwanted recurring spend, fee run rate, and bill-review target you entered. The bill-review target is not a promised saving. Debt interest remains a separate modeled payoff comparison, and monthly margin informs the plan rather than the Recovery Number. Actual outcomes depend on provider offers, charges, lender calculations, timing, and actions completed.

Educational budgeting guidance only; not financial, tax, legal, investment, or credit advice.

Your entries are still on this page

We could not calculate the result just now.

Please try again. You can also go back and review an entry.

What would keeping more money in your plan let you do?

Are your essential bills current right now?

What gets in the way most often?

The best plan depends on what needs protecting first.

What does an average month look like?

What costs would you stop, avoid, or put up for review?

What non-mortgage debts are you carrying?

Avoidable costs and modeled interest are not the same thing.

How do you manage money today?

How does income usually arrive?

What should your plan avoid cutting first?

How hard should your plan push?

When would a reminder to act feel most useful?

Calculating your Recovery Number

Your plan is ready

Your next financial chapter

Where the number comes from

Your starter method

Compare the monthly budget styles

Zero-Based Control

Flexible Guardrails

Irregular-Income Floor

Compare momentum and interest

Save the plan, then decide how automatic it should be.

No card required

Connect after subscribing

We could not calculate the result just now.