🔒 Bills reserved automatically before you can spend them
📈 Savings happen before your brain gets involved
🎉 Everything left is guilt-free. Spend it.
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noguilt.money
spend freely. save automatically. stress never.
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Good morning
Wyatt
Safe to spend today
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— per day · paycheck in — days
— Bills— Buffer— Wealth
Financial Health
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AI · Not financial advice · For informational purposes only
🎯 Savings Goals
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Money Rail
Detail
Spend freely
Spending
🏛️
Income Calculator
What your businesses need to gross
—
combined gross/mo
▸
Target Monthly Take-Home (each)
$/mo each
🔨 Wyatt — RSR
Reasonable Salary /yr
📸 Nancy — Photo
Reasonable Salary /yr
Combined Gross
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Total Taxes
—
Effective Rate
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💡 S-Corp savings vs. sole proprietor
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Estimates only · MFJ 2026 brackets · VA 5.75% state · QBI 20% deduction on distributions · Not tax advice
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📊 Revenue vs Target (this month)
0%
Collected: $0Projected: $0—
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One-Time Expenses
0 bills
$0
Total Monthly Burn Rate
—/mo
👨👩👧 Family
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💼 Job Perks
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👨👩👧 Family Budget
—/mo
After Income ($13K)
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💼 Business Perks
—/mo
If you lost the job
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Total Without Business
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Know thyself · Spend intentionally
Insights
🧠 Behavioral Audit
Tap ↻ Refresh to run your first behavioral audit
⏰ When You Spend
✨ Your Rich Life
🔍 Vendor Audit
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Money coming in
Income
Wyatt's Take-Home History
Actual payments from RSR to Wyatt — from QuickBooks. Variable month to month.
Income Log
Bills out · Paychecks in
Cash Flow
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Cash Flow Forecast
Bills going out · Paychecks coming in
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Current balance
$
in checking
Money in
Bills out
Balance +
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Subscription Audit
Let Clive pay your
Bill Pay 🤖
🤖 Clive's Bill Advice
Reviewing your bills…
🛡️
Business Shield
bills covered by your businesses
What if the business went away?
🤖 Bill Pay
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Clive will open the payment portal and pay this bill for you.
Joint Checking ends in 2043 — enter 2043
⚠️ Heads up: Clive will navigate to the payment portal in a browser session, enter your account number and card, and submit the payment. You'll get a Telegram confirmation when done. Clive will never save your full card number.
Add Bill
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Attached Documents
I'll message you the details — reply "yes" to execute
Business-paid bills count toward your "true cost" if that income ever went away
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Household Income
Every source that flows into your household
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Connected Bank Accounts
Real balance drives your spending number
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Money Rails
How your money is allocated
Money Rails
Every paycheck divided into buckets automatically
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$
Recommended: 1–2 months of bills. Start with $1,000.
%
Ramit Sethi recommends 15–20%. Goes to savings/investments automatically.