Lifestyle Reality Check
Get a brutally honest assessment of your spending habits. Calculate if you can afford your current lifestyle and get instant insights.
About Lifestyle Reality Check
It's easy to feel like your money disappears each month without knowing exactly where. Big fixed bills like rent and debt are obvious, but the slow drain of dining out, subscriptions, and impulse shopping adds up quietly. The first step to fixing it is seeing the whole picture in one place — income against every category of spending — instead of guessing.
This tool takes your monthly income and your spending across fixed costs (rent, utilities, subscriptions, debt) and flexible costs (groceries, dining, entertainment, shopping, transport) and tells you whether you're living within your means. It shows your monthly surplus or shortfall, what share of income each cost category consumes, and a breakdown chart, plus suggestions on where to trim if you're overspending.
It's meant to be honest, not punishing — the goal is a clear baseline you can act on. Everything is calculated in your browser, so your income and spending figures are never uploaded or stored anywhere.
How to use Lifestyle Reality Check
Enter your monthly income
Type your take-home monthly income — the amount you actually have to work with.
Fill in your fixed costs
Add rent or mortgage, utilities, subscriptions, and debt payments — the bills that stay roughly the same each month.
Add your flexible spending
Enter typical monthly amounts for groceries, dining out, entertainment, shopping, and transportation.
Read your reality check
See your monthly surplus or shortfall, each category as a share of income, a breakdown chart, and suggestions if you're spending more than you earn.