Windfall Allocation Calculator
Received a bonus, inheritance, or tax refund? Use this calculator to allocate your windfall optimally across debt, emergency fund, investing, and spending.
Windfall Allocation
Smart Windfall Order
- High-interest debt first — any debt above ~7% APR costs more than investing earns
- Emergency fund — 3–6 months of expenses if not fully funded
- Tax-advantaged accounts — max out IRA / 401(k) contributions first
- Taxable investing — broad index funds for long-term growth
- Guilt-free spending — 5–10% for something meaningful
Adjust the sliders to match your personal priorities.