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The 3-Pillar Budget from Luke 14:28. Count the cost before you build — a biblical plan for where every dollar goes.

Monthly Take-Home Income
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Provision · Needs
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  • Housing · Rent or mortgage
  • Food · Groceries & essentials
  • Healthcare & insurance
  • Essential transportation
  • Utilities & education
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Freedom · Wants
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  • Dining out & entertainment
  • Clothing & accessories
  • Travel & hobbies
  • Subscriptions & streaming
  • Personal care & leisure
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Future · Growth
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  • Tithe & giving — first
  • Emergency fund (3–6 months)
  • 401(k), IRA, investments
  • Debt repayment (accelerated)
  • Long-term savings goals
Needs
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Wants
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Future
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📖 Luke 14:28–30
"Suppose one of you wants to build a tower. Won't you first sit down and estimate the cost to see if you have enough money to complete it?"
Monthly income ${{ income }}
Provision ({{ needsPct }}%) ${{ needsAmt }}
Freedom ({{ wantsPct }}%) ${{ wantsAmt }}
Future ({{ futurePct }}%) ${{ futureAmt }}
Allocated ${{ allocated }} / ${{ income }}
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