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🧮 Income Allocator

Plan how to split your take-home income across categories before you spend it - starts with the classic 50/30/20 needs/wants/savings rule, fully customizable. Free and unlimited, no sign-in required.

A planning tool, not a tracker. This splits an income amount you enter across percentages that must add up to 100% - it doesn't log real transactions or connect to any account. For logging actual spending after the fact, see Budget Tracker; for a paycheck tax-withholding estimate, see Paycheck Calculator.

Your income and split

Take-home income (per period)

How the split is worked out

Each category is a straight percentage of the income you type, rounded to the cent on its own. The split is only accepted when the percentages add to 100, give or take a hundredth to absorb thirds.

amount  = round(income × percentage / 100, 2)     per category
total   = round(sum of every amount, 2)

accepted when |sum of percentages - 100| ≤ 0.01

$4,000 on the default 50/30/20 gives Needs $2,000, Wants $1,200, Savings $800. Because each row rounds separately, the total can miss the income by a cent: $4,001 across 33.33/33.33/33.34 pays out $1,333.53, $1,333.53 and $1,333.93, which is $4,000.99. The page does not force that penny back.

Building your own split

Add a row for anything you want tracked separately — rent, debt, giving, a sinking fund for the car. Names run to 100 characters, the last row cannot be deleted, and Reset to 50/30/20 puts the three defaults back. Any percentage from zero up is allowed as long as the set still totals 100.

Use take-home pay, not gross. Tax has already come out of the money you are splitting.
The bars are scaled against the biggest category, not against your income, so the top row always fills the width.

This is a plan written before the month, not a record of it. Nothing is saved, no account is connected and no transaction is read. Budget Tracker is where actual spending goes afterwards.

Planning it, then checking it

This page splits money you have not spent yet. The budget tracker is the other end of it: what actually left the account, by category, month by month. The plan is only worth as much as the check on it, and the two answer different questions - so both exist rather than one replacing the other.

Frequently asked questions

What is the 50/30/20 rule?

Half your take-home pay to needs, 30% to wants and 20% to saving and debt payoff. It is a starting shape rather than a law — on a high rent, needs eat 60% and the other two have to give.

Do the percentages have to add up to exactly 100?

To within 0.01. That is enough for 33.33/33.33/33.34 but not for a split that only reaches 90, which is rejected with the total it actually got.

Can I use this if my income changes every month?

Yes — the percentages stay put and you re-enter the amount. Running it on your lowest recent month gives a split you can hold to in a bad one.