Welcome To Your Free Budget Tracker

Financial Freedom with Jewel Budget Tracker was designed to help you stay on target with your money—not judge you. Enter your monthly income, add your expenses, and watch your savings, spending, and Debt-to-Income (DTI) ratio update in real time. The tracker helps you see where your money is going, what’s left over, and whether you’re moving toward financial freedom or falling behind.

How to use it:

1. Enter your monthly take-home income.
2. Add your expenses (rent, utilities, groceries, debt, etc.).
3. Review your Budget Snapshot to see money left over or shortages.
4. Enter your gross monthly income and monthly debt payments to calculate your DTI (Debt-to-Income ratio).

What is DTI?

DTI compares how much debt you pay each month against your monthly income before taxes. Lenders often use DTI to evaluate financial health.

• 35% or below: Strong range 🟢
• 36%–43%: Watch zone 🟡
• Above 43%: Pressure zone 🔴

A lower DTI generally means more flexibility and less financial strain.

What does the graph show?

The chart gives a quick visual picture of your money:

🔵 Income = Money coming in

🟡 Expenses = Money going out

🟢 Savings = Money left over (or 🔴 shortage if spending exceeds income)

The graph helps you spot patterns fast, so you can adjust spending, reduce debt, and stay focused on your financial goals.

Use this tracker monthly. Your numbers tell a story—this tool helps you read it before your bank account does.