Paycheck Allocator
Split one paycheck across bills, debt payoff, savings, and investing. Toggle any line between percent and dollar amounts, and see what's left over — per paycheck and per year.
Your paycheck
Bills & needs
Debt payoff
Optimize this payoff plan →Savings
Investments
Discretionary / wants
Allocation breakdown
Allocation by category
Give every dollar of your paycheck a job
A paycheck disappears fast without a plan. This tool splits your take-home pay into five buckets — bills, debt, savings, investments, and discretionary spending — so you can see exactly where each dollar is going before it's gone. Switch any line between a dollar amount and a percent of your paycheck, whichever is easier to think in.
Percent vs. dollar amounts
Fixed costs like rent are usually easiest to think of in dollars. Savings and investing often work better as a percent, especially if your paycheck isn't always the same size. Click the %/$ toggle next to any line to switch — the underlying allocation stays in sync either way.
Also useful: Income Allocator and Budget Calculator.
Frequently asked questions
The Budget Calculator looks at your typical monthly income across broad needs/wants/savings buckets. This tool is built around a single paycheck and lets you route dollars straight to specific debts, savings goals, and investment accounts.
Percentages work well if your paycheck varies with tips, commission, or overtime. Dollar amounts are simpler if your paycheck is fixed. Switch anytime with the %/$ toggle on any line — the underlying dollar amount stays in sync.
Yes — use "Optimize this payoff plan" under the debt section to open the Debt Payoff Calculator with your debts already filled in, so you can see exactly when you'll be debt-free under snowball or avalanche.