The invention is directed to a personal financial management system and method for personal financial management. A user interface attached to a computer may interact with the user and/or financial institutions to acquire information regarding fiscal behavior and asset allocations and performance. These may be compared with budgetary guidelines. The budgetary guidelines may be determined from a personal finance code. The personal finance code may be a set of desired source and use of funds allocations, asset allocations, and future fiscal events. A comparison of the budgetary guidelines and the fiscal behavior may be projected and compared to the personal finance code to determine a state of personal finances.