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 (ISAIndividual Savings Account (ISA)A UK tax-advantaged account where contributions are post-tax but all growth and withdrawals are tax-free.Full definition in the UK, TFSATax-Free Savings Account (TFSA)A Canadian tax-advantaged account where contributions are post-tax but all growth and withdrawals are tax-free.Full definition/RRSPRegistered Retirement Savings Plan (RRSP)A Canadian tax-deferred retirement account; contributions reduce taxable income and growth is tax-deferred until withdrawal.Full definition in Canada, Super in Australia, etc.).
STEP 1Your fixed floor
What you actually owe each month. These come out first.
Fixed floor (live total)
$0
STEP 2Take-home pay
What hits your bank account each month after taxes and pre-tax deductions.
Available margin
$0
STEP 3Allocate 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 Operationsorder of operationsThe recommended sequence for using each spare dollar: build a small emergency fund, capture any free retirement-account match your job offers, kill high-interest debt, fill out a real emergency fund, max tax-advantaged accounts, then invest the rest.Full definition.
- Bitcoin allocation is treated as a separate bucket funded after tax-advantaged savings.
Not financial advice. Adjust allocations to fit your personal situation.
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.