"For which of you, intending to build a tower, sitteth not down first, and counteth the cost?" (Luke 14:28, King James Version)

Counting the cost is the heart of good planning. But there are two different kinds of cost, and they need two different plans: a bill plan and a savings goal.

Money you must pay

Rent, school fees, loan installments, electricity. You did not choose these today, but you cannot avoid them. The question they ask is: am I covering my obligations?

A bill plan answers it. List each bill with its amount and due date, then record every part payment. You always see what is due, what is paid and what is left.

In Kede this is the Workplan. When you record an expense in the tracker, you pick the bill it pays, so both always agree. Your bills can even appear in Google, Apple or Outlook Calendar.

Money you choose to keep

A new phone, a laptop, more stock, an emergency fund. Nobody forces you to save for these, which is exactly why they rarely happen by accident. The question they ask is: am I building something?

A savings goal answers it. Set a target and a date, and work out how much to put aside each week. Then add to it whenever money comes in and watch the progress.

In Kede these are Savings goals. Kede shows the weekly amount that reaches your goal on time, and tells you if you fall behind.

Why most people need both

	Bill plan	Savings goal
What it holds	Money you must pay	Money you choose to keep
Examples	Rent, school fees, loans	Phone, laptop, emergency fund
It asks	Am I covering my obligations?	Am I building something?
It protects you from	Surprises	Standing still

A bill plan without a savings goal keeps you safe but never moves you forward. A savings goal without a bill plan gets raided every time a bill arrives. Together, they let you count the full cost.

Your first week

Write down every bill due in the next 30 days, with amounts.
Choose one thing you want to save for and give it a date.
Each time money comes in, pay toward the nearest bill first, then add something to your goal.

Start free with Kede and set up both in a few minutes.