SplitStack — Money Allocation Tool

Your Income

Currency

Amount

Adjust your split — must total 100%

🔒 Capital Reserve

25%

🏠 Essentials

55%

👕 Lifestyle

20%

TOTAL 100%

The 3 Rules That Make It Work

Split first, spend after — move your capital cut the moment income hits. Not later.
Lifestyle has a hard ceiling — when the bucket is empty, it's done. No borrowing from essentials.
Capital has one unlock condition — a real investment opportunity only. Not emergencies, not wants.

It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.

— Robert Kiyosaki, Rich Dad Poor Dad

🔒

War Chest

Capital Reserve

—

Lock this away. Never spend it on day-to-day needs. This is your move when opportunity shows up — and it will.

🏠

Non-Negotiable

Essentials

—

Food, data, transport, bills. Everything that keeps you running. Protect this bucket — don't let lifestyle eat into it.

👕

Controlled Spend

Lifestyle

—

Clothes, treats, extras. Enjoy it guilt-free — but when it's gone, it's gone. The ceiling is the discipline.

Allocation Breakdown

Capital

Essentials

Lifestyle