Be the boss of your money · Stop making billionaires rich
Live a rich life, starting with the money you already earn.
Leverage time-tested budgeting and investing strategies to overcome modern financial hurdles like debt and housing costs, while positioning your portfolio for high-growth assets like AI, crypto, and clean energy.
The Thrive Budget™ is simple: when basic needs take 50% of your income, the other 50% is free to invest and spend on things that bring joy and returns to your life.
Very wealthy people spend far less of their income on basic needs than the rest of us. In about 10 minutes you'll see where yours goes, and what you get back when you change it.
Free. Rough numbers are fine. No bank connection. Statement upload is coming soon.
Three steps
Enter your numbers
About 20 quick questions about your income and monthly costs.
See your split
Your spending next to the Thrive Budget, side by side.
Plug the leaks
Simple swaps for housing, energy, food and more, with the savings shown.
“Many people, including educated men and women, often get into trouble when they neglect to follow simple and fundamental rules of the type provided by Natalie. This is why I recommend them with enthusiasm.”
“College students need this information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble.”
The heart of My Rich Life
Meet Natalie Pace
Natalie Pace has spent decades teaching Main Street families time-proven budgeting and investing strategies. The Thrive Budget and every tool in this app are built on her system, so you can be the boss of your money with confidence.
Private by design
- We do not connect to your bank, your brokerage, or any account.
- Your numbers are saved privately to your own account, so you can come back and update them as you fix things. Only you can see them.
- Start over clears everything, in this session and in your saved account.
- This is financial education, not financial advice.
Start here: your yearly income
Annual gross income, before tax.
Pay from a job, self-employment, or a small business, before tax.
Interest on your bonds, certificates of deposit, and savings.
Social security, pension, and any other earned or passive income, e.g. Airbnb income.
Everything is measured against this total. Use your best estimate — you can change it later.
Continue to my monthly costs →