Live tool/tool/savings-bucket-planner
Savings Bucket Planner
Distribute one monthly savings budget across multiple goals based on urgency, gap size, and deadline pressure.
FinancePlanningGoals
Monthly budget
$1,200.00
Assigned now
$1,200.00
Unassigned
$0.00
Closest goal
Vacation
5.3 months at current allocation
Recommended Bucket Split
Emergency fund - $611.76/mo toward a $6,500.00 gap (10.6 months)
Vacation - $376.47/mo toward a $2,000.00 gap (5.3 months)
Laptop replacement - $211.76/mo toward a $1,500.00 gap (7.1 months)
Allocation logic
This planner weights goals by remaining gap and deadline pressure, then caps overfunded buckets and redistributes leftover budget. It is intentionally pragmatic, not emotionally optimal.