Money Split Calculator
Give every dollar of take-home pay a job, then see what regular investing could build.
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The 50% investing target is aspirational. Cover essentials, debt payments and cash reserves first. Adjust the split to fit your life. Take-home income here is after taxes and payroll deductions; do not count payroll investments twice.
Monthly investing
$4,000
Needs$3,200
Wants$800
Keep cash ready
Checking: one month of essentials + buffer$4,200
Separate emergency fund: six months$19,200
The emergency fund is separate from checking and the investment projection. Six months is a planning target; choose a reserve that fits your income stability and obligations.
Assumptions
- Contributions are invested at each month end, with the same assumed return every month.
- Balances are hypothetical future dollars. Inflation, taxes and fees are excluded; actual returns vary and losses are possible.
Your investment projection
| Time | Starting balance + deposits | Hypothetical growth | Total |
|---|---|---|---|
| 15 years | $720,000 | $547,849 | $1,267,849 |
| 20 years | $960,000 | $1,123,707 | $2,083,707 |