Money split planner

One page to lock the four monthly transfers that turn an income into a system. Print it, fill it in, set up the standing orders, then forget the system and live your life.

Run the calculator first

Educational only. Not financial advice. See financial disclaimer.

When to use this

When your income hits an account in one lump and feels gone within days.
After a meaningful income change, to recalibrate the percentages.
When you and a partner are merging or splitting money flows and need a shared rule.

How to complete it

Use the percentages, not the absolute numbers — they scale with income changes.
Move the splits on payday, not month-end. Money you can see in the spending account gets spent.
Automate. Manual transfers fail in the months when you'd most need them.

Common mistakes

Setting the saving percentage at ‘what's left over.’ That percentage is always zero.
Building the system off pre-tax income.
Forgetting irregular expenses (insurance renewals, holidays, gifts) and breaking the system the month they hit.

Money split planner

Vinthony Academy · vinthony.com

Monthly take-home

Currency

Fixed costs (rent, bills, food)

Debt payments

Allocation plan

Bucket	Target %	Target amount	Account
Needs (fixed + debt)
Save (emergency fund first)
Invest (after EF is full)
Wants (guilt-free)

Emergency fund target (3 months of needs)

Emergency fund target (6 months of needs)

The four standing orders I'll set up this week

One fixed cost I'll renegotiate or cut this month