Budgeting · Phase 2
Monthly Budget Builder
Most people budget in their head — then wonder where the money went. Here you give every dirham a job. Put in your income, then your real spending across needs, wants and savings. Mizanek shows whether your plan actually balances, and how it compares to a healthy split.
Needs — essentials
What you can't skip
Wants — lifestyle
Nice, not necessary
Savings & goals
Paying your future self
You have AED 1,000 a month with no job. Unassigned money is spent money — it quietly leaks into lifestyle. Give it a purpose now: move it to savings or a goal before it disappears.
You're saving 17.2% of your income. A common target is 20% (the "20" in 50/30/20) — but in the UAE there's no state pension and your visa is tied to your job, so treat 20% as the floor, not the goal. Closing the gap to 20% means about AED 450 more a month.
Basis: Reference split is the widely-used 50/30/20 guideline (needs / wants / savings), adjusted for UAE reality — no income tax, but no state pension and a job-linked visa, so the savings share should skew higher once essentials are covered. Figures are yours to set; this is education, not financial advice.
Where your income goes
Every dirham, mapped — including what you haven't consciously assigned.