Money allocation calculator
Plug in your monthly take-home and fixed costs. Compare a 65/20/15 split (needs/saving/wants) against 75/15/10 (needs/saving/wants), and see a three-to-six-month emergency fund target.
Reality check
Your actual fixed + debt obligations are £1,700 — 57% of take-home.
That leaves £1,300 per month for savings, investing, and discretionary spend.
65 / 20 / 15
Aggressive saver — works if fixed costs are well under 65%.
- Needs
- £1,950
- Save / invest
- £600
- Wants
- £450
75 / 15 / 10
Steadier saver — more realistic if fixed costs run high.
- Needs
- £2,250
- Save / invest
- £450
- Wants
- £300
Emergency fund target
Three-to-six months of essential outflows: £5,100 to £10,200.
Most people aim for three months as a first milestone. Higher targets (six months) make sense for variable income, single-earner households, or unstable employment markets.
Go deeper
Open Personal Finance Foundations for the full micro-course, or follow the Money Foundations & Career Leverage path. Worksheet: Money split planner.