henry

You make good money. You've been making it for a while. And yet the question keeps coming back: where does it all go?

Not because you're irresponsible. Not because you spend recklessly. Because nobody gave you a system designed for someone at your income level — one that isn't built around restriction, guilt, or tracking every grocery run.

henry is that system.

It's built on two ideas. First: your savings and investments should leave your account automatically on payday, before you can spend them. Second: your debt doesn't need your attention every day. It needs a structure — and then you leave it alone.

Everything else is yours to spend freely.

WHAT'S INSIDE

Seven tabs that work together as one system:

Start Here — setup guide that walks you through the whole system in about 15 minutes.

Dashboard — one view of your take-home, savings rate, debt position, and Weekly Freedom Number. Updates automatically every time you change anything.

My Setup — the only place you enter your numbers. Income, automated savings, fixed costs. Fill it in once. Every other tab pulls from here.

Debt Manager — enter your debts and choose Avalanche or Snowball. The workbook ranks them, calculates payoff dates, and handles the cascade automatically when a debt hits zero. When a debt is paid off, its freed minimum rolls to the next priority debt — no manual adjustment needed.

Weekly Log — your Freedom Number auto-populates for all 52 weeks from a single start date. Track your actual spend and see your status update in real time.

Forecaster — change one decision and see how it plays out at 3, 6, and 9 months. A raise. Extra toward debt. A new fixed cost. Current path versus what if, side by side.

W-4 Optimizer — most high earners are over- or under-withholding without knowing it. Enter your income, deductions, and dependents. Get the exact dollar amounts to write on every line of your W-4. Built to handle dual-income households correctly.

THE FREEDOM NUMBER

This is the concept that makes the whole thing work.

After your savings are automated and your fixed costs are on autopilot, what remains is your Freedom Number — the amount you have to spend each week, on anything you want, with no tracking and no guilt.

You're not budgeting. You're already done. The hard part happened automatically on payday.

WHO THIS IS FOR

You earn somewhere between $80,000 and $250,000 — sometimes more. You have real debt: student loans, a car payment, maybe a mortgage, maybe some credit card balance from a year things got hard. You have some retirement savings but not enough for your income and age, and you know it.

You've tried apps. You downloaded Mint or YNAB and quit. You don't need a definition of compound interest. You need a system that actually accounts for your real life — and then gets out of the way.

WHAT YOU GET

One .xlsx file that works in both Google Sheets and Microsoft Excel. No subscription. No login. No app permissions. Built with 2026 federal tax brackets, dual-income W-4 logic, automatic debt cascade calculations, and a Forecaster that shows the real-dollar impact of your decisions before you make them.

Set it up in an afternoon. Run it for years.