Free budget generator
Fred builds your budget. You just answer a few questions.
Fred (deezbills' AI that does the money thinking) asks about your life, then writes you a complete, personal monthly budget, with no spreadsheet and no bank statements. It's made for anyone who finds budgeting overwhelming, or has never done it.
Budgeting shouldn’t mean a spreadsheet and a free weekend.
If making a budget has always meant a blank spreadsheet, a free afternoon, and scrolling back through months of bank statements, of course you've put it off. That isn't a discipline problem. It's just a lot to hold.
You don't need any of that here. You answer a few questions in plain language, and Fred does the rest, so you don't have to become a finance person to have a real plan.
A budget Fred built
A real budget Fred built for a renter in Toronto, from nothing but a few answers. Yours comes from your own numbers: your home, your household, your car, your pets, whatever your life actually looks like.
How it works
Tell Fred about your life. He does the hard part.
Tell Fred about your life
Where you live, what you earn, your home, your household. Simple questions, nothing you need to look up.
Fred builds your budget
He starts from your real take-home pay, looks up what things cost where you live, and writes you a complete budget in about a minute.
Make it yours
See the whole thing for free, change an answer if something is off, and keep it when you are ready.
Why it’s good
Simple on your side. Serious underneath.
Built for your life, not a template
Fred only includes what applies to you. Kids if you have them, a car line if you drive, pets if you have pets. He keeps your exact rent, car payment, and debts, and matches how careful or roomy you want to be.
Built on real local prices
Fred looks up what things actually cost where you live, groceries, utilities, insurance, transport, childcare, and more, so your numbers fit your area instead of a one-size national average.
Real take-home, not a guess
Your budget starts from your actual take-home pay, worked out with current US and Canadian tax rules. In Canada on parental leave, it can include your real EI or QPIP benefit and any employer top-up, and Fred keeps your normal budget separate from the temporary leave gap.
Honest by default
If an honest budget costs more than you bring in, Fred leaves the gap visible instead of shrinking your essentials until the math looks nice. What you can save is whatever is genuinely left over.
Made for your situation
Whatever your life looks like, Fred has a plan for it.
Couples get one shared budget. On parental leave, between jobs, self-employed with income that jumps around, renting or owning, Fred asks what's actually true for you and plans from there. It's the kind of made-for-you budget you'd expect from sitting down with someone, but for free and in just a few minutes.
Common questions
How Fred estimates your budget
Your budget starts from your real take-home pay, worked out with current US and Canadian tax rules. Fred then looks up what things cost near you for the categories that apply to your household. Every line is either based on that local data, taken straight from a number you gave, or a careful estimate where solid local data is thin. It is a starting point you can adjust, not financial advice.