Skip to content
moneybricks

Your budget, in minutes.

The biggest reason working people don't budget is friction. Snap a photo of a pay stub to keep it handy, enter your take-home pay, and see a Smart Money budget built around your real numbers.

A couple sitting together at a kitchen table, going over a paper statement beside an open laptop and a mug of coffee.

How SnapBudget works

  1. Step 1
    Snap

    In the app, photograph a pay stub, bank or mortgage statement — or upload it. Here, enter your take-home pay.

  2. Step 2
    Brix reads

    Brix's AI pulls your income and spending automatically. No spreadsheets, no manual entry.

  3. Step 3
    Benchmark

    Brix compares your numbers to Smart Money targets — showing where you're over, under, or on track.

  4. Step 4
    Build

    You get a personalized budget built around your real numbers and smart-money targets.

  5. Step 5
    Adjust

    Brix walks you through changes, explains each benchmark, and shows the impact of small moves over time.

Build your Smart Money budget

Enter your take-home pay, then adjust each category to your real spending. We’ll show you where you’re on track against what smart money targets.

Snap your pay stub

Take a photo or upload a pay stub, bank, or mortgage statement.

We don’t read this photo — keep it as a reference while you fill in the numbers below. Nothing you add here leaves your device.

$For variable income, use your baseline — the reliable amount you can count on in a normal month.
Left to assign
$360
$3,640 of $4,000 assignedSavings rate 20% / 20% target

Category

Monthly amount
  • Housing
    25–28% · $1,000–$1,120
    $
    On track
  • Transportation
    10–15% · $400–$600
    $
    On track
  • Food & dining
    10–12% · $400–$480
    $
    On track
  • Savings & investing
    20%+ · $800+
    $
    On track
  • Healthcare
    5–8% · $200–$320
    $
    On track
  • Debt repayment
    Under 15% · up to $600
    $
    On track
  • Lifestyle
    5–10% · $200–$400
    $
    On track

Building toward an emergency fund of 3–6 months of expenses comes out of your savings line — it’s your financial immune system. Emergency Fund.

Your monthly snapshot

A budget you set once is a wish. This is your operating budget: what you planned, what you’ve actually spent so far this month, and where you’ll land if nothing changes — so you can course-correct with three weeks left, not find out on the 31st.

$This month · Day 12 of 30 (40% through the month)
Projected month-end
+$145
surplus
Spent so far
$2,294
of $2,982 budgeted
Projected spending
$3,215
$233 over budget
Savings rate
20%
/ 20% target
Mostly on track — 2 categories are pacing over. A small trim keeps your $145 buffer.

Category

Spent so far
  • HousingFixed
    $1,092 budget · $1,092 projected
    $

    $0 under at this pace

    On track
  • TransportationVariable
    $504 budget · $705 projected
    $

    $201 over at this pace

    Over
  • Food & diningVariable
    $462 budget · $545 projected
    $

    $83 over at this pace

    Over
  • Savings & investingFixed
    $840 budget · $840 projected
    $

    $0 under at this pace

    On track
  • HealthcareFixed
    $252 budget · $252 projected
    $

    $0 under at this pace

    On track
  • Debt repaymentFixed
    $336 budget · $336 projected
    $

    $0 under at this pace

    On track
  • LifestyleVariable
    $336 budget · $285 projected
    $

    $51 under at this pace

    On track

Projections use a simple run-rate: variable spending is carried across the month at your current pace, while fixed bills are held at their budgeted amount. It’s a snapshot to steer by, not a guarantee — and it’s education, not personalized financial advice.

Built for income that moves

SnapBudget is built for the reality of working-people income — not the assumption of a steady salary. When your pay varies by season, overtime, or job, it anchors to your baseline and gives every extra dollar a place before it disappears.

Baseline budgeting

Built on your minimum reliable income, so your essentials are always covered — even in a slow stretch.

Windfall allocation

When overtime or extra work comes in, there's a plan for every extra dollar before it disappears.

Seasonal smoothing

For tip income, PRN shifts, and seasonal trades — the good weeks fund the lean ones on purpose.

These are Smart Money guidelines to aim at, not hard rules — your right mix depends on your life. SnapBudget is education, not personalized financial advice.

Take your free BrickScore Assessment

Related features

Keep exploring — these work hand in hand with what you just read.