Split & Plan
  1. 1Numbers
  2. 2Plan
  3. 3Tips

Plan your month

Enter take-home pay and what you spend now. Adjust the ratios if you need to.

An open wallet with three slips sized for needs, wants and savings
Three parts for every month’s pay.
After payroll deductions
$

Your ratios

Start at 50/30/20, then adjust
$2,400
%
$1,440
%
$960
%
Adds up to 100%

What you spend now

Rough monthly averages are fine
$
$
$
See my plan

Your numbers never leave this device.

What goes where

  1. 1NeedsRent, utilities, groceries, transport to work.
  2. 2WantsEating out, streaming, hobbies, travel.
  3. 3Savings & bufferEmergency fund and goals you set for yourself.

Good to know

Take-home pay is what reaches your bank account after payroll deductions. If your pay changes from month to month, use a typical low month so the plan still works when income dips.

For spending, a recent bank statement is more accurate than memory, especially for small purchases. Savings and buffer cover your emergency fund, long-term savings and money set aside for bigger goals such as a move or a new appliance.