Zazzy & Mariah · Budget Tracker
Our Money
Today —
Money You Have
$0
Checking + Savings
Total You Owe
$0
All 3 credit cards
Where You Really Stand
$0
Your money minus what you owe
Left Over Each Month
$0
After all your regular bills
01 Your Accounts
Type in a new number whenever you check your Chase app. Everything else updates by itself.
Chase Checking (your spending account)
$0
Chase Savings
$0
Chase Credit Card #1 (the big one)
$0
Chase Credit Card #2
$0
Bilt Card (the one you use every day)
$0
Every Wednesday

Payday. Tell your money where to go.

When $1,600 hits your account, split it up before you start spending. Here's what to do with it:

Recent Activity

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02 Paying Off Your Credit Cards
Pay off smallest first (Bilt), then Chase #2, then Chase #1. Keep using Bilt daily but pay it off each week.
1st: Bilt Card — Knock this out first
$0
Paid off so far: $0 Started at: $1,700
2nd: Chase Credit Card #2
$0
Paid off so far: $0 Started at: $3,800
3rd: Chase Credit Card #1 — The big one
$0
Paid off so far: $0 Started at: $5,516.89
Total Progress
$0
Paid: $0 of $11,016.89 0% Done

Goal: All credit cards paid off by — if you pay $900/month toward debt.

03 Record a Payment
Every time you pay on a credit card, enter it here so you can watch the progress bars move.
No payments yet. Your first one will feel great.
04 LA Weekend · April 24–26
Max you can spend: $1,200. Put it on Bilt, pay it off 4/29.
Total Budget
$1,200
Spent So Far
$0
Still Can Spend
$1,200
Add Something You Spent
Anytime you pay for something on the trip, add it here.
Rules for the trip
  • Use the Bilt card for everything (you get points, and it auto-tracks)
  • Pay the whole Bilt bill off on payday 4/29 — don't let it sit
  • If you hit $1,000 of the $1,200 before Saturday night, switch to cash the rest of the trip
  • Tattoo tip is already part of the tattoo budget
05 Your Monthly Bills
Check each one off when you've paid it. The number or word on the left tells you when it's due.
Due Bill Amount Paid
Total each month $5,302.04
06 Track What You Spend
Every time you buy something, add it here. Watch the bars fill up to know when you're close to the monthly limit.
Just Spent Something? Add It Here
Recent Purchases This Month
Nothing logged yet this month.
07 Your Money This Month
Money Coming In
$6,933
About 4 paychecks × $1,600
Money Going Out
−$5,302
All your regular bills
Left Over
$1,631
For debt, fun, and saving
What to do with that $1,631
$800 → pay down credit cards (you'll be debt-free in about 13–14 months)
$400 → fun money (date nights, going out, stuff for you two)
$300 → into savings (build up a $1,000 safety net first)
$131 → extra / in case something comes up
08 The 12-Month Plan
Not a crash diet. Just a simple order of operations. Live your life, pay off your cards, build up savings.
01

Weeks 1–6 · Pay off Bilt and survive LA

LA trip stays at $1,200, paid off with the 4/29 paycheck. Starting 5/6, put $300/week toward Bilt. Bilt should be at $0 by mid-June.

Goal: Bilt paid off by June 17 · Total still owed: $9,300
02

Months 2–5 · Knock out Chase Card #2

Take the money you were paying on Bilt and now put it on Chase #2. At least $900/month. Keep using Bilt for everyday stuff but pay it off every week so it never builds up again.

Goal: Chase #2 paid off by October · Total still owed: $5,500
03

Months 6–11 · Finish off Chase Card #1

All $900/month goes on Chase #1. By now Bilt is actually earning you points for free because you're not paying interest on it. Home stretch.

Goal: Completely debt-free by March 2027
04

Month 12 and beyond · Build up savings

Take that $900/month you were putting on debt and move it into savings instead. Goal: $10,000 saved (about 3 months of bills if something happens). Then you can start funding bigger Outfitr bets and nicer trips with cash instead of credit.

End goal: 3 months of bills saved + freedom to bet on Outfitr
09 Rules to Live By
  1. Every Wednesday is Money Day. Open this tracker. Update your balances. Split up the paycheck before you start spending.
  2. Bilt is a spending card, not a loan. Pay it off every week. Never let a balance carry over.
  3. No new debt. Until all three cards are at $0, nothing new goes on a card unless you can pay it off that same week.
  4. Don't touch the high-yield savings. You already said it — leave it alone. That's your backup.
  5. Fun is in the budget, not cut out. $400/month for date nights and going out. Actually use it — this isn't about being miserable.
  6. Keep Outfitr money separate. Business expenses get tracked on their own. Don't mix business costs with personal spending until the cards are paid off.
  7. Every trip needs its own budget. Just like LA — set a max, pay it off with the next paycheck. Done.
Your Thinking Partner

Got a decision to make? Let's talk it through.

I see everything in your tracker — Personal and Business. Tell me what you're thinking about and I'll walk through the scenario with your real numbers. I'm not here to tell you what to do. I'm here to help you see angles you might be missing.

What's on your mind?
Tap a starter question or type your own below.
0 messages
How this works: This AI can see all your tracker data (balances, bills, debt, spending, Outfitr costs, history) and uses it to help you think through decisions. It's not a financial advisor — it's a thinking partner for talking through scenarios. Every decision is yours. Conversations only save during this session and don't leave your device except to send each question to the AI.
10 Your History
Every payment, purchase, balance update, and edit logged with a timestamp. Search, filter, or download it all.
Outfitr · Pre-Revenue

Building, not yet earning.

Every dollar you spend on Outfitr right now is an investment. This tracker keeps it honest — know exactly what Outfitr costs you each month, what you've spent total, and what break-even looks like.

This Month's Costs
$0
Recurring + one-off spending
Monthly Burn Rate
$0
Recurring bills per month
Revenue This Month
$0
Pre-revenue right now
Total Spent So Far
$0
All-time Outfitr costs
01 The Big Picture
Outfitr is hitting your personal cards right now. Track it here so you know exactly what you're putting in, and so you have clean numbers when you eventually separate accounts or do taxes.
Yearly Burn
$0
At current monthly rate
Break-Even MRR
$0
Monthly RevenueCat needed
At $14.99 Plus
0
Plus subs to break even
At $24.99 Pro
0
Pro subs to break even

Recent Outfitr Activity

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02 Outfitr Recurring Costs
Everything you pay every month to keep Outfitr running. Edit amounts as your usage changes.
Due Cost Amount Paid
Monthly burn $0.00
03 Track Outfitr Spending
One-off business expenses — equipment, ad spend, domains, extra API costs, anything beyond your recurring bills.
Just Spent on Outfitr? Add It Here
Recent Outfitr Purchases
Nothing logged yet this month.
04 Outfitr Revenue
Track payouts from RevenueCat, one-time sales, or anything Outfitr earns. When money starts coming in, log it here.
This Month
$0
Revenue earned this month
All-Time
$0
Total revenue ever
Net This Month
$0
Revenue minus costs
Log Revenue
Pre-revenue. The first dollar is going to feel amazing.
Revenue milestones to chase
  • $1 — first revenue ever 🎉
  • $100 — proof people will pay for this
  • $500 — break even on monthly burn
  • $5K MRR — Outfitr pays for itself + a small salary
  • $10K MRR — Outfitr replaces your paycheck
05 The Reality Check
Honest numbers. No BS. Where Outfitr stands right now and what it'll take to turn this into a real business.
Real talk: Outfitr costs you
$0 / month
That's $0 out of your pocket each year, all on personal cards.
What break-even actually looks like
To cover the monthly burn of $0, you need one of these:
0 active Plus subscribers ($14.99/mo)
0 active Pro subscribers ($24.99/mo)
0 mix of Plus + Pro (rough average)
What this means for personal finances
Every month Outfitr runs pre-revenue, that $0 is money that could have gone toward your credit cards. Not a reason to stop — a reason to push for launch. Once Outfitr is bringing in its own money, this category becomes a line item in a business P&L instead of a personal expense.
Next business moves
  1. Ship Outfitr. The longer pre-revenue runs, the more this burn adds up.
  2. Open a Chase Business account + Business credit card once you hit $100 MRR. Clean separation between personal and business = sanity at tax time.
  3. Track every receipt. Outfitr costs are deductible as business expenses. Save them.
  4. Form an LLC when revenue hits ~$1K MRR. Until then you're effectively a sole proprietor.
Your Thinking Partner · Outfitr Mode

Business decisions, scenario planning, honest reality checks.

Same AI, sees both sides (Personal + Outfitr). Ask about ad spend, runway, pricing, break-even math, or anything else. It has your full tracker context so the answers are grounded in your real numbers.

What's the business question?
Tap a starter or type your own.
Shared with Personal · 0 messages
Note: This is the same AI chat as the Personal side. Anything you talk about here also shows up there. It has full context on both your personal finances and Outfitr's numbers.
06 Outfitr History
Every business expense, revenue event, and edit logged with a timestamp. Perfect for taxes or just seeing the full picture.