A first budget
Everyday essentials
A little structure for today, and room for what comes next.
Keep life runningMake room for joyLook ahead
ReadyCents Templates
Your budget. Your style. Your starting point.
Find a setup that fits your life, then choose how it feels to use. Preview the ReadyCents budget in Minimalism or Stimulation before you create an account. Every template is free.
01 · Pick your envelopes
Find your starting point
Switch styles to compare every template. Open one to make it yours.
How do you like to see your money?
Template previews use Stimulation.
Fewer envelopes
Keep it simple
Broad envelopes make your first plan easy to maintain.
Right nowYour choices
Households
Life together
Shared essentials, individual spending, and goals to work toward together.
Our homeOur peopleOur choices
Students
Campus and beyond
Make space for study costs and life outside the classroom.
Study and stayDay to dayNext chapter
Variable income
Between paydays
Separate immediate needs from the cushion for a quieter month.
Cover the essentialsSmooth the gapsKeep living
Getting organized
A fresh start
Focus on the essentials while you build breathing room.
Start hereBuild breathing roomMake it sustainable