Learn
Plain-language guides to the ideas behind clear money
Each guide explains one idea, shows the maths on real numbers, and points at the feature that does it for you. No jargon, no hype.
Cash flow
- Cash flow6 min
How to forecast your personal cash flow 90 days ahead
A personal cash flow forecast replays your bills and income into the future to find the low point. Learn the method, what to include, and how to read it.
Read the guide - Cash flow5 min
What does safe to spend mean, and how do you calculate it?
Safe to spend is the cash you can use today after the bills still due this month. Here is the formula, a worked example, and the mistakes that inflate it.
Read the guide
Budgeting
- Budgeting4 min
How to audit your subscriptions and catch price hikes
A subscription audit totals what recurring services really cost per month and year and finds the ones that quietly raised prices. Method plus an example.
Read the guide - Budgeting4 min
Sinking funds: how to stop yearly bills from wrecking a month
A sinking fund spreads an irregular bill such as insurance or a renewal into monthly set-asides. Learn the steady and catch-up methods with examples.
Read the guide - Budgeting5 min
Zero-based budgeting: give every dollar a job
Zero-based budgeting assigns every unit of income to spending, saving, or debt until nothing is unassigned. How it works and how to keep it simple.
Read the guide - Budgeting5 min
The 50/30/20 budget rule, explained with a worked example
The 50/30/20 rule splits take-home pay into needs, wants, and savings. See how it works on a real income, where it breaks, and how to adapt it.
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Saving and investing
- Saving and investing5 min
How big should your emergency fund be? Three months or six
Size an emergency fund from measured monthly spending, not income. When three months is enough, when six is wiser, and how to build it without stalling.
Read the guide - Saving and investing5 min
How to track your net worth, and what to include
Net worth is what you own minus what you owe. Which assets and debts to include, how to value them, and why a monthly history matters more than the total.
Read the guide - Saving and investing6 min
How to calculate your FIRE number (and the year you reach it)
Your FIRE number is the portfolio that sustains your spending. The 25x rule, the 4 percent withdrawal rate, and how to project the year you reach it.
Read the guide
Put the ideas to work on your own numbers.
Every guide here is a feature in Worth Clarity, computed from the ledger you already keep.
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