MONEY DECISION GUIDE

How Should You Split a Paycheck?

Build a paycheck order around real obligations instead of forcing a universal percentage rule.

Start with take-home pay and the bills due before the next paycheck. Cover essentials and required minimums first.

Protect a starter cash floor so a routine surprise is less likely to become new high-cost debt.

Account for an available employer match, then compare costly debt with the next savings goal that fits your situation.

Set aside monthly amounts for annual or irregular costs so insurance, repairs, and renewals do not arrive as emergencies.

Money Router shows a suggested order using the numbers you enter. Review it, adjust it, and move the money yourself.

Educational planning only—not individualized financial, tax, investment, or legal advice. You review the plan and move your own money.