Account Waterfall
Model how your income flows into different accounts. Set percentage-based allocations for bills, savings, investing, and discretionary spending.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Total Allocated
$5,000.00
≈ 5 smartphones
Remaining / Unallocated
$0.00
How to Use This Calculator
- Enter your total monthly take-home income after taxes.
- Set the percentage for Bills/Fixed Expenses — this covers rent, utilities, and insurance.
- Adjust the Savings and Investing percentages to match your financial goals.
- Set the Discretionary percentage for flexible spending like dining and entertainment.
- Review Bills Amount, Savings Amount, Investing Amount, and Discretionary Amount to confirm dollar allocations, then check Remaining to ensure percentages sum to 100%.
How the result changes with Monthly Income
| Monthly Income | Total Allocated | Remaining / Unallocated |
|---|---|---|
| $10,000.00 | $10,000.00 | $0.00 |
| $35,000.00 | $35,000.00 | $0.00 |
| $65,000.00 | $65,000.00 | $0.00 |
| $90,000.00 | $90,000.00 | $0.00 |
What each input means
- Monthly Income
- Total monthly take-home income after taxes
- Bills / Fixed Expenses
- Percentage allocated to rent, utilities, insurance, and other fixed costs
- Savings
- Percentage routed to savings accounts (emergency fund, goals)
- Investing
- Percentage directed to investment accounts (brokerage, retirement)
- Discretionary
- Percentage for flexible spending like dining, entertainment, hobbies
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersMonthly Income = 5000, Bills / Fixed Expenses = 50, Savings = 20, Investing = 10 = 5 input(s) provided
- Calculate Total AllocatedTotal Allocated5000 = $5,000
- Calculate Remaining / UnallocatedRemaining / Unallocated0 = $0
- Calculate Bills AmountBills Amount2500 = $2,500
- Calculate Savings AmountSavings Amount1000 = $1,000
Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.
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