The 6-Bucket Finance System

Every dollar gets a purpose.
Every debt gets a deadline.

FACTS is the personal finance system built on the 6-bucket allocation method. Allocate income with intention, crush debt with strategy, and track your path to financial freedom.

The Method

Six buckets. One system.

Every dollar of income flows into a purpose-driven bucket. Customize the percentages, track spending against targets, and stay disciplined.

50%
Necessities
Housing, food, utilities, transportation. The essentials that keep life running.
10%
Education
Courses, books, seminars. Invest in the asset that compounds forever: you.
10%
Give
Charity, tithing, generosity. Build wealth and share it.
10%
Save
Short and mid-term goals. Vacations, down payments, the rainy day fund.
10%
Fun
Entertainment, dining out, hobbies. Discipline without joy doesn't last.
10%
Financial Freedom
Long-term wealth. Investments, passive income, retirement. The bucket that sets you free.

Debt reduction that actually works

Enter your debts once. FACTS compares four payoff strategies side by side: minimum payments, current payments, snowball, and avalanche. See exactly how many months each method takes, and watch a live graph track your progress as you pay down balances.

Minimum
22 yrs
Current
14 yrs
Snowball
4.2 yrs
Avalanche
3.8 yrs

Know your freedom number

FACTS calculates the exact amount you need invested to cover your annual expenses forever. Watch the progress bar fill as your Financial Freedom portfolio grows. The goal is simple: ride off into the sunset.

$1,250,000
Your Financial Freedom Number
$425,000 saved 34% there
🌅

What-if before you buy

Thinking about financing a new car? A home renovation? Run the scenario first. FACTS shows you the total cost of credit, the monthly impact on your allocation buckets, and how long that debt will follow you.

Scenario: $28,000 Auto Loan
Interest Rate6.5% APR
Monthly Payment$547/mo
Total Interest Paid$4,820
Payoff Time60 months
Impact on Necessities+11% of bucket

Stop wondering where your money went. Start telling it where to go.

FACTS turns the 6-bucket method into a living system. Income allocation, expense tracking, debt elimination, net worth management, and financial freedom planning. All in one place.