Income Allocator
Combine every income source — job, freelance, side hustle — into one monthly total, then allocate it across bills, debt payoff, savings, and investing.
Income sources
Bills & needs
Debt payoff
Optimize this payoff plan →Savings
Investments
Discretionary / wants
Income by source
Allocation breakdown
Allocation by category
One plan for every income stream
More people now earn from more than one source — a primary job plus freelance work, a side hustle, or seasonal contracts. This tool combines every source into one monthly total, normalizing across different pay frequencies, then lets you allocate that combined income across bills, debt, savings, and investing, the same way you would a single paycheck.
How sources are combined
Each income source is converted to a monthly-equivalent amount based on its frequency — weekly, biweekly, semimonthly, monthly, or annual — then summed into one combined monthly income figure that the allocation sections below are built against.
Also useful: Paycheck Allocator and Budget Calculator.
Frequently asked questions
The Paycheck Allocator plans around one paycheck. This tool is for people with more than one income stream — it combines every source into one monthly total before you allocate it.
Each source is converted to a monthly-equivalent amount based on its frequency, then all sources are summed into one combined monthly income figure.
Yes — use "Optimize this payoff plan" under the debt section to open the Debt Payoff Calculator with your debts already filled in.