Two Incomes to One Income Budget Planner, Maternity and Parental Leave Budget, Job Loss Savings Calculator, Offline App and Excel

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.

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.

LANGUAGES
The app switches between English, Español, Français, Deutsch, Português, Italiano, Nederlands, Polski, Русский, हिन्दी and العربية (right to left). The spreadsheet has a switch for the first 10 and a separate Arabic file.

HOW IT WORKS
1. Download the ZIP and START-HERE.pdf from Etsy after checkout.
2. Unzip and open Envelo-OneWage.html in your web browser. Look at the filled example, then press My numbers.
3. 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

IMPORTANT BEFORE BUYING
• 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.

Questions? Send us a message on Etsy.