Bonus Allocation

The Bonus Allocation Calculator helps you make intentional decisions about lump-sum windfalls — annual bonuses, tax refunds, gifts, or any unexpected income — by splitting them into purpose-driven buckets. Enter the bonus amount and allocate percentages across categories: emergency fund, investments, debt repayment, large purchases, and discretionary spending. The donut chart shows the dollar amount flowing to each bucket. Without a plan, bonuses tend to evaporate into untracked spending. This calculator ensures you balance between accelerating financial goals and enjoying the reward. A common framework is 50% toward financial goals, 30% toward medium-term wants, and 20% for immediate enjoyment.