Stuff No One Taught You About Money

The 75-10-15 paycheck calculator

Put in your take-home pay. See exactly how much to live on, save, and invest, and the two transfers to set up before your next payday.

Your paycheck

Take-home pay

How often you're paid

Example amount filled in. Replace it with yours. Use what lands in your account, after taxes.

Your split

Save10%

Invest15%

Rent too high for 75% right now? Start with the Starter split and move closer to 10 and 15 with every raise.

Where it goes

Bucket	Per paycheck	Per month
Live (75%)
Save (10%)
Invest (15%)

Your emergency fund

3 months of living costs

Time to get there

What your investing could grow to

Years

Average yearly return

Could grow to

You put in

Illustration only. Assumes the same monthly amount and a steady average return, compounded monthly. Real returns go up and down and are not guaranteed.

Set it up once, about 15 minutes

Open a high-yield savings accountKeep it separate from checking, so your emergency fund earns interest and stays out of sight.

Set up your investing accountHave a retirement plan at work? Contribute at least enough to get the full match. No plan? Open a Roth IRA.

Schedule two automatic transfers for the day after payday

Your paycheck

Where it goes

Your emergency fund

What your investing could grow to

Set it up once, about 15 minutes

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