A clearer path for every dollar.
Discover your true spending. Then build a better budget!
I’m Rachel, and I’ll walk you through spending, budgeting, saving, and tax organizing, one step at a time — with your actual data — so you always know what must be paid, what to set aside, what is funded, and what is safe to spend.
Free to start. No card required, and your bank credentials are never stored.
Built by the tax professionals at THR Tax LLC.
How it works when you Plan with Rachel, or you can try some of our free tools below!
- 1
Connect or upload
Link an account or drop in a CSV, PDF, OFX, or QFX statement.
- 2
Rachel categorizes
She sorts every transaction, then you correct anything she got wrong.
- 3
See your real number
Your true spending, your budget, and what’s safe to spend today.
Three steps, priced in that order
Start free: fill in the worksheet yourself, or take the quick estimate, and see how your numbers compare to healthy ranges. When you’re ready, unlock your real numbers and a budget built from them for $49. Then add my monthly plan so I keep it on track for you.
Step 1
Free Budget Worksheet & Estimator
Enter your own numbers, see how they compare — free, no account needed.
$0free
- A full worksheet where you type in your income and spending line by line
- Running totals compared to healthy benchmark ranges as you type
- Enter your income and let Rachel estimate a budget from common norms
- Email your results privately, or download them as a PDF
Step 2
Discovery Unlock
See your true spending and a budget built from your real numbers.
$49one-time
- Build your full transaction list from CSV, PDF, OFX/QFX or a live bank sync
- Rachel auto-categorizes every line, then asks you to confirm the unclear ones
- Benchmark ranges for each category, measured against your real numbers
- A static starting budget built from those benchmarks — yours to keep and edit
By continuing, you agree to the Rachel Budget Assistant Terms of Service and acknowledge the Privacy Policy. This is a one-time charge, not a subscription. See the Refund Policy for refund eligibility and cancellation details.
Step 3
Plan with Rachel
The ongoing account that keeps your plan on track.
$19per month
- Connect income and spending accounts for live, ongoing tracking
- Set goals and sinking funds that fund themselves automatically
- Rachel's guidance on improving spending and increasing savings
- Estimate and save for taxes due with safe-harbor planning
- Alerts when spending deviates from your plan, plus weekly and monthly recaps and reports
By continuing, you agree to the Rachel Budget Assistant Terms of Service and acknowledge the Privacy Policy. Your subscription renews automatically each month unless you cancel through the Paddle customer portal. See the Refund Policy for refund eligibility and cancellation details.
Pick the step that fits you
Start with the free estimate, unlock your true spending for $49, or have me watch it with you month to month. Whichever you choose, I’ll be right here to guide the next one.
Advice from Rachel: healthy budget benchmarks
You don’t have to be perfect on day one. Begin where you are, then nudge your spending toward these common ranges. They’re a sanity check, not a rulebook — use them to build toward healthy savings and a budget that funds every goal you care about.
- Essentials
- 50–60%
- Savings & debt payoff
- 15–20%
- Flexible
- 15–25%
- Buffer
- 5–10%
Housing, utilities, groceries, transport.
Emergency fund, retirement, goals.
Dining, recreation, gifts, shopping.
Cushion for surprises and irregular bills.
Start with your real spending, then move toward what’s healthy for you.
Free Benchmark Calculator
Enter your monthly numbers and see how they line up against healthy budget targets.
- Essentials— actual · Target 50–60% of income
Housing, utilities, groceries, transport
- Savings & debt payoff— actual · Target 15–20% of income
Emergency fund, retirement, goals
- Flexible— actual · Target 15–25% of income
Dining, recreation, gifts, shopping
- Buffer left over— actual · Target 5–10% of income
Cushion for surprises and irregular bills
If you aren’t sure what these numbers really are, it’s time to dig deeper into your spending and get some real answers!
Next Step: Start with a free budget worksheet or connect and see your real data in real time
Start with a free budget worksheet
The estimate above is quite oversimplified. Ready to go deeper? Register with your email and type in your own income and spending, line by line, the way you would on a spreadsheet. This is a great, free start to getting your spending and saving where you want it to be! If you want even more, start with the quick quiz below, and I’ll take you through the level of budget you want to tackle.
Find your targets: a quick quiz with Rachel
How steady is your income?
Variable income needs a bigger cushion before anything else.
Bills covered first
See exactly which essential bills are funded and the date they’re protected through.
Goals and sinking funds
Fund next year’s known costs a twelfth at a time, so nothing is a surprise.
Income that varies
Plan every payment as it arrives: tax reserve, bills, goals, then safe to spend.
Tax reserve planning
A federal safe-harbor planning target, with every assumption visible and editable.