A Budget That Works For You
MarginGuard is built on a simple idea: money should bring you peace, not pressure. That’s why it walks you through a clear step-by-step path, so you always know what to focus on next. At its core, MarginGuard is about margin—giving you breathing room in your budget today while setting you up for freedom tomorrow.
Emergency Fund Protection
Life happens — layoffs, medical bills, or sudden car repairs. MarginGuard helps you calculate and prioritize an emergency fund, giving your budget a built-in safety net so a setback doesn’t turn into a crisis.
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Debt Protection
High-interest debt can quietly drain your budget and limit progress. MarginGuard highlights how much debt is costing you and helps you stay focused on payoff, protecting your monthly margin and future financial freedom.
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Lifestyle Protection
Wants often grow until they squeeze out savings and essentials. MarginGuard places clear boundaries around discretionary spending and flags when housing or other costs get excessive, controlling lifestyle creep.
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MarginGuard Budget
Relationship Status We use this to tailor your Emergency Fund goal based on whether you have a partner sharing expenses with you.
Carryover Consumer Debt This is any debt you’re still paying off that’s NOT a mortgage—like credit cards, personal loans, or car loans.
Home Ownership Let us know if you own your home and have a mortgage. If not, we’ll assume you’re renting and adjust your budget accordingly.
Household Retirement Status If your household is retired, retirement contributions will be disabled and the 15% savings requirement will be waived automatically.
Current Income and Savings
Needs
Wealth Building Engine
Wants
Summary
Remaining Margin: $0.00