Value Matrix

Score your spending categories by joy, utility, and alignment with your goals. Discover where to cut and where to invest more.

Your Inputs

Category 1 Name?

Category 1 — Monthly Spend ($)?

Category 2 Name?

Category 2 — Monthly Spend ($)?

Category 3 Name?

Category 3 — Monthly Spend ($)?

Category 4 Name?

Category 4 — Monthly Spend ($)?

Category 5 Name?

Category 5 — Monthly Spend ($)?

Category 6 Name?

Category 6 — Monthly Spend ($)?

Category 7 Name?

Category 7 — Monthly Spend ($)?

Category 8 Name?

Category 8 — Monthly Spend ($)?

Default Joy Score (1-10)?

Default Utility Score (1-10)?

Default Alignment Score (1-10)?

Value Analysis

Total monthly spend: $3,800 · Annual: $45,600

Category Scores

Housing$2,000/mo

Good5/10

Joy5

Utility5

Align5

Consider reducing slightly

Food$800/mo

Good5/10

Joy5

Utility5

Align5

Consider reducing slightly

Transportation$400/mo

Good5/10

Joy5

Utility5

Align5

Consider reducing slightly

Entertainment$300/mo

Good5/10

Joy5

Utility5

Align5

Consider reducing slightly

Subscriptions$100/mo

Good5/10

Joy5

Utility5

Align5

Consider reducing slightly

Travel$200/mo

Good5/10

Joy5

Utility5

Align5

Consider reducing slightly

Insights

Highest Value

Housing — this spending brings the most value. Consider investing more here.

Lowest Value

Travel — this spending brings the least value. Consider reducing.

Best Cut Candidate

Travel — lowest value per dollar. Reducing this frees up money for higher-value categories.

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What Alistair will see:

Value Matrix: Housing, Food, Transportation analyzed for value alignment.

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