The split
Type a number. See the five.
The same 55 / 5 / 10 / 15 / 15 the videos use, applied to whatever hits your account after tax. Nothing you type leaves your browser.
- Essentials · 55%$1,375
- Guilt-free · 5%$125
- Debt · 10%$250
- Savings · 15%$375
- Investing · 15%$375
Nothing left floating. The percentages don’t care what you make: they work at $150 and at $8,000.
What each bucket is.
- 55%
- Essentials: rent, utilities, groceries, transport, insurance, the minimums. If yours is over 55% today, that’s the number to work on, not the coffee.
- 5%
- Guilt-free: spent on purpose, gone by the end of the month, no shame.
- 10%
- Debt: above the minimums, at the highest rate first. No debt? It goes to savings until the emergency fund is full, then to investing.
- 15%
- Savings: the emergency fund first, then the things with a date on them.
- 15%
- Investing: automatic, on payday, into something boring.
Want it as files? Three free templates run this every month.
Free, yours forever. The folder opens on the next page. Education, not individualized financial advice.