Two Incomes to One Income Budget Planner
Going from two incomes to one: your month on one pay, what to cut and how long your savings last.
Two incomes to one by Envelo OneWage: your month on one income, what to cut, and whether your savings carry you through.
Parental leave, studies, a job loss or one of you staying home? When one of two incomes stops or drops for a while, the big question is simple: can we live on one income, and for how long? OneWage answers it with your own numbers.
Try it here
A live demo with a made-up example. Nothing you type here is saved or sent anywhere.
What it does
What you can do
- Add the income that stays, the income that stops, and what comes in instead – leave pay, a benefit or part-time work
- List your monthly costs, essential or flexible, with what each could be during the change
- See your month now and on one income side by side, and the gap each month
- See what your cuts save, biggest first
- Set when the change starts and how long it lasts (or no end date yet)
- See your savings at the change, what the change needs, whether you are ready – and how much more to put aside each month if you are short
- With no end date: how many months your savings last
- Savings month by month: before, during and after the change, with a chart
- A short plan to print, CSV in and out, backup and restore
Example inside
A made-up couple: 2,900 and 2,700 a month after tax. In 4 months one of them goes on parental leave for 6 months, with leave pay of 800. With cuts of 510 a month, the month on one income is 155 short. Putting aside 1,235 a month until then, they will have 8,440 at the change – the leave needs 930, so they are ready, with 7,510 left after.
How it works
- Download the ZIP and START-HERE.pdf from Etsy after checkout.
- Unzip and open Envelo-OneWage.html in your web browser. Look at the filled example, then press My numbers.
- Add both incomes, your costs now and during the change, and your savings. Everything updates as you type and saves in your browser.
What you receive
- START-HERE.pdf (0.12 MB)
- Envelo-OneWage-v1.0.zip (1.68 MB)
Inside the ZIP:
- Envelo-OneWage.html: the app, opens in your browser by double click and works offline, 11 languages
- Envelo-OneWage.xlsx: spreadsheet edition with a 10-language switch – both incomes, costs now and during the change, savings month by month
- Envelo-OneWage-Arabic.xlsx: the same spreadsheet in Arabic, right to left
- examples/: the filled example as a backup file and the example costs as CSV
- START-HERE/: the guide in 11 languages
- LICENSES.txt and WHAT_YOU_GET.txt
Good to know
- This is a digital download. Nothing is shipped.
- No subscription and no account. The app runs on your device and uploads nothing.
- OneWage works with the numbers you enter. It is a planning tool, not financial advice. Leave pay and benefits differ by country.
- Your numbers do not sync between devices; move them with the backup file.
- For your own use. Please don't resell or share the files.
- The app, its logo, the texts and the translations were made as code with the help of an AI coding assistant. No AI image generators were used.
A closer look
Buy it on Etsy and download the files straight away.