Budget Allocator

Allocate every dollar of income across 7 purposeful buckets — in order

Monthly Take-Home Income

Auto-filled from your transactions — or enter manually below

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7-Bucket Allocation — in order

Top-Down Priority

Tithe First Fruits

10% off the top — give first before anything else.

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10%

enter income above 10% of income

Keep / Save Pay Yourself

10% to yourself — savings, emergency fund, wealth building.

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10%

enter income above 10% of income

Necessities 50% Limit

Rent, utilities, groceries, transport, insurance — true needs only.

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50%

enter income above 50% of income

Debt Attack Kill It Fast

10% to aggressively pay down credit cards and loans.

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10%

enter income above 10% of income

Invest Grow Wealth

10% into index funds, retirement accounts, or business.

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10%

enter income above 10% of income

Play Enjoy Life

5% guilt-free fun money — dining out, hobbies, entertainment.

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enter income above 5% of income

Offering Beyond Tithe

5% extra generosity — charities, gifts, community giving.

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enter income above 5% of income

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Required Income Calculator

How much do you need?

Based on your actual bills, debt minimums, and subscriptions — this is the minimum income you need each month to cover all expenses, plus the recommended income that keeps all 7 buckets fully funded.

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Paycheck Splitter

Per Deposit

Enter a specific paycheck or deposit amount — see exactly where every dollar goes.

How the 7-Bucket System Works

1. Tithe (10%) — First

Give the first 10% before anything else. This sets a mindset of abundance over scarcity.

2. Keep / Save (10%)

Pay yourself second. Build your emergency fund, then savings, then wealth.

3. Necessities (50%)

Half your income for true needs: rent, food, utilities, transport. Not wants.

4. Debt Attack (10%)

Aggressively eliminate debt. Use snowball: lowest balance first. Every dollar freed accelerates.

5. Invest (10%)

Index funds, Roth IRA, 401k, or business. Let compound interest work for decades.

6. Play (5%)

Guilt-free fun. Dining, hobbies, travel. A healthy life includes joy.

7. Offering (5%)

Beyond your tithe — charities, community giving, gifts. Expand your generosity.

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