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Your budget, in minutes.

The biggest reason working people don't budget is friction. In the app, you snap a photo of a pay stub and Brix builds your budget. Right here, enter your take-home pay and see a Smart Money budget built around your real numbers.

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.

Assigned
$3,640
Left to assign
$360
Savings rate
20%/ 20% target

  • Housing

    Smart money: 25–28% · $1,000–$1,120

    On track

    Your biggest lever. Every 1% you trim here frees up dollars to build wealth.

  • Transportation

    Smart money: 10–15% · $400–$600

    On track

    For working people, this is often the highest-impact category to optimize.

  • Food & dining

    Smart money: 10–12% · $400–$480

    On track

    Smart money cooks more than it eats out — without feeling deprived.

  • Savings & investing

    Smart money: 20%+ · $800+

    On track

    Non-negotiable. Pay yourself first, before any other expense.

  • Healthcare

    Smart money: 5–8% · $200–$320

    On track

    Often underbudgeted until something goes wrong. Smart money plans ahead.

  • Debt repayment

    Smart money: Under 15% · up to $600

    On track

    High-interest debt is a wealth destroyer. Smart money knocks it out fast.

  • Lifestyle

    Smart money: 5–10% · $200–$400

    On track

    Smart money lives well within its means — and enjoys it more for it.

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.

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.

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