Budget Surplus Allocator Calculator
Optimize where to direct leftover dollars using a priority-based waterfall: emergency fund, retirement match, high-interest debt, then savings goals.
Inputs
$
$
$
%
$
$
Results
To Emergency Fund
$500
To Retirement Match$0
To Debt Payoff$0
To Savings Goals$0
Annual Interest Saved$0
With Employer Match$0
How to Use This Calculator
- Enter Surplus Amount, Emergency Fund Gap, and High-Interest Debt Balance.
- Set Debt Interest Rate, Retirement Match Gap, and Savings Goal Gap.
- Review the To Emergency Fund ($) result.
- Use To Retirement Match ($) and To Debt Payoff ($) to inform your decision.
- Use the chart to visualize the results and explore different scenarios by adjusting inputs.
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