Tools · Paycheck Allocator
Paycheck
allocator.
Based on the fixed-first method. Your fixed expenses come out first, then you allocate what's left in priority order. Not percentages. See how this works.
This page covers US-specific accounts and tax law. Outside the US? The priority order is the same, the account names differ (ISA in the UK, TFSA/RRSP in Canada, Super in Australia, etc.).
STEP 1
Your fixed floor
What you actually owe each month. These come out first.
FIXED FLOOR (LIVE TOTAL)
$0
STEP 2
Take-home pay
What hits your bank account each month after taxes and pre-tax deductions.
AVAILABLE MARGIN
$0
STEP 3
Allocate your margin
In priority order. Each step fills before the next. Edit any amount to override.
Where every dollar goes
Monthly & annual breakdown
| CATEGORY | MONTHLY | ANNUAL |
|---|
What this tool assumes
- Tax withholding is estimated using a simplified formula; actual paycheck may differ by 5-10%.
- Priority order reflects the recommended Personal Finance Order of Operations.
- Bitcoin allocation is treated as a separate bucket funded after tax-advantaged savings.
Not financial advice. Adjust allocations to fit your personal situation.
Related
HOW THIS IS CALCULATED
This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.