Step 1 · Income into Holding Account
$
Per Week
$0
52 / yr
Per Month
$0
12 / yr
Per Year
$0
Gross income
Step 2 · Allocation
Set how much income flows from the Holding Account to each of the other four accounts. Edit the dollar amount or the percentage — the other updates automatically. The Holding Account keeps the remainder for fixed expenses (mortgage, insurance, utilities, rates).
Disburse
Weekly is the standard recommendation
🏦
Holding Account
Necessity
$
/wk
0%
Stays here to cover mortgage / rent, insurance, utilities, rates and large recurring bills.
🛡️
Emergency Fund
Savings
$
/wk
10%
📈
Investment Account
Investing
$
/wk
15%
🏠
Joint Spending
Necessity
$
/wk
20%
🛍️
Personal Spending
Splurge
$
/wk
15%
Distributed away from Holding
60% · $0
Where every dollar goes
Each colour is one account. Hover the chart to see the dollars and percentage.
🏦 Holding
$0
🛡️ Emergency
$0
📈 Investments
$0
🏠 Joint
$0
🛍️ Personal
$0
Necessity · Splurge · Savings
How your allocation maps to the classic 50 / 30 / 20 rule.
Necessity
0%
$0 / month
Target ≤50%
Savings & Investing
0%
$0 / month
Target ≥20%
Splurge
0%
$0 / month
Target ≤30%
The 50/30/20 rule: Keep necessities ≤50% (housing, utilities, groceries), splurges ≤30% (eating out, hobbies, gifts), and savings & investing ≥20%. The badge turns green when on track and amber when off.
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Tip · Sliders move in 0.5% steps. Click any % box to type a precise number. Changes auto-save to this browser.