Three buckets. One
number that matters.
Every dollar you earn is a Need, a Want, or Savings. Wellthplan sorts it automatically, nets out the money you moved between your own accounts, and tells you what's actually safe to spend today.
Simple by default. As detailed as you want it.
The framework
Why three buckets beats forty line items
Detailed budgets fail because nobody can hold forty numbers in their head. Three you can. Needs keep the lights on, Wants are yours to enjoy, and Savings is the only bucket that changes your future.
Needs
Rent, utilities, groceries, insurance, minimum payments. The floor of your month — the number to know before anything else.
Wants
Dining, travel, the good coffee. Spend it guilt-free — that’s the point of knowing the number. No shame notifications.
Savings
The bucket that funds the plan. Every goal you set draws from here, so raising Savings by $100 has a visible payoff.
The plan
Give your savings a job
Savings sitting in an account is a number. Savings attached to a goal is a plan. Set targets, split your monthly savings across them, and watch the dates move.
- 1
Name the goal
Emergency fund, debt payoff, down payment, wedding, sabbatical — with a target amount.
- 2
Fund it monthly
Allocate your Savings bucket across goals. Wellthplan shows the finish date for each split.
- 3
See the trade-off
Shift $150 from the down payment to debt and both dates update before you commit.
- 4
Stay on pace
Benjamin flags a slow month early, while there’s still time to fix it.
Automatic by default
The sorting happens without you
Transactions are categorized the moment they land and mapped to Needs, Wants, or Savings. Recategorize one and Wellthplan remembers that merchant from then on.
Merchants recognized, not guessed
“SBUX *05421 SEATTLE” becomes Starbucks → Dining → Wants.
Corrections stick
Move one Costco run to Needs and every future Costco charge follows — no rules to write.
Split when it’s both
One Target trip can be part Needs, part Wants, without leaving the transaction.
For the detail people
Go as deep as you like — the three buckets still hold
If you came from a spreadsheet, you don’t have to give up the detail. Build your own category groups and set budgets right down to a single merchant. Everything still rolls up into Needs, Wants, and Savings.
Custom category groups
Group categories the way you think about them, then budget the group as one number.
Category budgets
Cap the categories that tend to run away, and get warned before you cross the line.
Merchant budgets
Sometimes it isn’t the category — it’s the one place. Budget a specific merchant by name.
None of this is required. Skip it entirely and Wellthplan still works — the detail is there when you want it, not homework when you don't.
Build your plan this week
Link a bank and your buckets fill in from real transactions — no manual entry, no starting from zero.
14 days free, then $199.99/yr. Cancel anytime.