Budget Distribution
Calculator
budget-splitter
Primary Inputs
Account Balances
Distribution
Insufficient funds in the buffer to cover all mandatory payments
Card Top-Up
0 ₽Wife Transfer
0 ₽Cushion (Emergency Fund)0%
0 ₽Bank (Self-lending)0%
0 ₽Long-term Investments0%
0 ₽budget-splitterInsufficient funds in the buffer to cover all mandatory payments
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FAQ
The calculator helps distribute money from a buffer brokerage account across several goals: topping up the personal card to its limit, a fixed transfer to the wife, building an emergency cushion, a self-lending bank account, and long-term investments. You enter current balances and the calculator shows how much to allocate to each channel.
For both the cushion and the bank you set two percentages: one when the account balance is below the threshold, another when it is above. For example, if the emergency fund is not yet built up (balance below ₽300,000), 30% is allocated; once it is built up, only 5% goes there for maintenance. This automatically shifts priorities as savings grow.
The slider defines what share of the cushion, bank, and long-term amounts goes to you and what goes to your wife. For example, at 60/40 you receive 60% of the calculated amount and your wife receives 40%. This is useful when you have different savings goals or incomes.
Settings (thresholds, percentages, sliders) are saved in the browser's localStorage and loaded automatically on the next visit. Account balances are not saved — enter up-to-date values each month.
If the buffer balance is insufficient even to top up the card and transfer to the wife, the calculator will show a warning. Mandatory payments (card and wife transfer) are always covered first; the remainder is then split between the cushion, bank, and long-term accounts.