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
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%.
Related Calculators
Pay Yourself First
Calculate your automatic savings transfers before bills and spending. Set targets for emergency fund, retirement, and other goals, then see what remains.
Bill Calendar Optimizer
Smooth your cash flow by understanding how bills align with your pay schedule. Find the optimal reserve amount and daily spending allowance.
Weekly Cash Flow Forecast
Project your bank balance week by week for the next 4 weeks. Spot potential shortfalls before they happen and plan around large upcoming expenses.
Cash Reserve Ratio
Determine the optimal split between cash reserves and invested assets based on your income stability, expense volatility, and risk profile.