A little gift, with love 💛

Your money,
your freedom.

You worked hard to get here. Now let's make sure every dirham works just as hard for you.

Start planning →

The strategy

The 50 / 30 / 20 rule

Simple, timeless, and used by millions. Split your salary into three clear buckets — and never feel guilty about spending again.

50% Needs

Rent, food, bills, transport — the essentials you can't skip.

30% Wants

Makeup, outings, gifts for family — joy is not optional.

20% Savings

Emergency fund, dreams, your future self saying thank you.

Your turn

Enter your salary

Type in your monthly income and the plan builds itself instantly.

MAD / month
0 MAD / mo
Needs 50% Wants 30% Savings 20%
🏠
Needs 50%
0 MAD
  • Rent0 MAD
  • Electricity & Water0 MAD
  • Phone subscription0 MAD
  • Groceries & Food0 MAD
  • Transport (Uber / Taxi)0 MAD
✨
Wants 30%
0 MAD
  • Beauty & Makeup0 MAD
  • Outings & Cafés0 MAD
  • Clothing & Shopping0 MAD
  • Gifts for family & siblings0 MAD
  • Miscellaneous fun0 MAD

This is your joy budget. Spend it without guilt. 💄

🌱
Savings 20%
0 MAD
  • Emergency fund0 MAD
  • Personal goals (travel, dreams)0 MAD
  • Long-term savings0 MAD

Savings growth projection

TimelineSaved
3 months0 MADEmergency buffer started
6 months0 MADFull emergency fund reached
12 months0 MADTravel, goals, real freedom
24 months0 MADReal wealth starts here
"The most powerful thing you can do with money is show yourself that you are capable of building something."

You just got your first real salary. That is not small — that is everything. I'm proud of you for every early morning, every flight, every smile you gave while exhausted. This plan is a reminder that you don't just deserve nice things someday — you deserve them now, and also tomorrow, and in 10 years. Every dirham you save is a version of you who is free. 💛

— With love and admiration, always.

Make it stick

5 habits that change everything

01

Pay yourself first

Move your savings the same day you get paid. Before anything else. What you don't see, you don't spend.

02

Track every dirham

Download Money Manager (free app, iOS & Android). Log everything — even a 10 MAD coffee. Awareness is where control begins.

03

Wants are not guilt

The 30% is yours to enjoy. Makeup, outings, gifts for your sisters — that money exists precisely for this. No guilt allowed.

04

Emergency fund first

Before any big goals, build 3 months of expenses as a safety net. It's your financial immune system.

05

Review every month

10 minutes at month-end. Compare plan vs reality. Adjust. It gets easier and more rewarding every single time.