Cash Allocator

Turn each paycheck into a working cash plan

Map take-home income across essential spending, discretionary cash, savings, and debt priorities with a simple monthly allocation framework.

50% Needs

Housing, utilities, groceries

30% Wants

Dining, travel, subscriptions

20% Financial Priorities

Savings, investing, debt

Quick Split

Enter your take-home pay

Get an immediate monthly allocation across core spending and financial priorities. Use the result as a starting point and adjust it as your cash position changes.

Needs $0

Wants $0

Savings $0

Cash Position

Put reserve cash to work

Cash allocated for near-term needs or reserves can remain accessible while earning interest through an eligible high-yield savings account. Review the current APY, account terms, withdrawal conditions, and applicable FDIC coverage before moving funds.

Variable APY

Savings yields can change over time, so compare the current APY rather than relying on a historical rate.

FDIC Coverage

Eligible deposits at FDIC-insured banks are covered within applicable federal insurance limits.

Accessible Cash

Reserve funds remain positioned for near-term expenses instead of being committed to longer-term assets.

Allocation Frameworks

Use the framework that fits your cash flow

A fixed percentage split is useful as a baseline, but your actual allocation can change with housing costs, income volatility, debt balances, and savings targets.

Zero-based budgeting — assign available income across planned expenses and financial priorities before the month begins.
Pay-yourself-first — move planned savings or debt payments before discretionary spending takes place.
Envelope-style tracking — establish spending limits for variable categories and monitor them throughout the month.

Monthly Cash Plan

Keep the allocation connected to your actual cash position

A paycheck split is only useful when it matches the month ahead. Review fixed obligations first, confirm the amount available for flexible spending, then direct the remaining cash toward reserves, debt reduction, or longer-term goals.

Planning Order Monthly

1. Fixed obligations Fund first

2. Reserve needs Protect

3. Debt / long-term goals Direct

4. Flexible spending Adjust