Paycheck Split Planner
Split each paycheck into spending buckets.
Give every paycheck a job
Allocating a paycheck across buckets — bills, savings, spending — before it is spent is the core of zero-based budgeting. Enter your net pay and percentages to see each amount.
It pairs well with separate accounts: send each bucket's amount to its own account on payday so bills, savings, and spending money never mingle.
Adjust to reality
Irregular income may need buffering across months. The pay figure you enter never leaves your device. A 50/30/20 split of a $3,000 paycheck, for instance, earmarks $1,500 for bills, $900 for spending, and $600 for savings before any of it is touched.
Frequently Asked Questions
How does this paycheck split planner work?
It uses the numbers you enter and applies the visible formula or planning rule in your browser.
Is this financial advice?
No. This is an educational estimate for planning. Check important decisions with a qualified financial professional.
Are my numbers uploaded?
No. The calculation runs locally in your browser and nothing is stored by this page.
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