Hate traditional budgeting? Learn the anti-budget, a simple, stress-free method that helps you save money without tracking every penny.

Let’s face it—traditional budgeting isn’t for everyone. If you’ve tried and failed to follow rigid rules, you’re not alone. The anti-budget is a low-stress way to save and spend smarter that works whether you earn $25K or $250K.

What Is the Anti-Budget?

Coined by author Paula Pant, the anti-budget flips budgeting on its head. Instead of tracking where every dollar goes, you decide how much to save, then spend the rest however you want.

Step 1: Pick a Savings Percentage

Start with a realistic savings goal—10%, 20%, or even 5% if you’re just starting. Automate this amount to transfer every payday to a separate savings or investment account.

Step 2: Pay Bills as Usual

Make sure your fixed expenses—like rent, utilities, and debt—are covered next. If your income doesn’t support your lifestyle, you’ll see it quickly and can adjust.

Step 3: Guilt-Free Spending

The best part: spend the rest without stress. This is your fun money, guilt-free. As long as you’re saving first, you’re on track.

Why It Works for Any Income

• Low income: Helps you build savings slowly without feeling deprived.

• Middle income: Encourages balance between responsibility and lifestyle.

• High income: Keeps lifestyle inflation in check while allowing enjoyment.

Bonus Tip: Combine with “No-Spend Days”

Challenge yourself with 2–3 no-spend days a week. It helps you become more intentional and stretches your fun money further.

Final Thoughts

If you’ve struggled with detailed budgets, try the anti-budget. It gives you structure without the spreadsheets, and it works beautifully for all income levels.