Bonus Allocation Planner
Optimally split your bonus across emergency savings, debt payoff, retirement, and fun money. See the financial impact of each allocation choice.
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
After-Tax Bonus
$3,900.00
How to Use This Calculator
- Enter your gross bonus amount and the tax withholding percentage your employer applies.
- Input your current emergency fund gap — the calculator prioritizes topping that up first.
- Add your high-interest debt balance and rate so the tool can calculate interest saved by paying it down.
- Set a retirement contribution gap and the percentage of after-tax bonus you want for discretionary spending.
- Review the allocation breakdown to see how much flows to emergency fund, debt, retirement, and fun money.
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