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.

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