10% of Gross Income
Tithes
$0/month
Calculated first from gross income before taxes and payroll deductions.
AscendEdge Personal Money Allocation Tool
Give Every Dollar a Job.
Build a personalized monthly money plan using the 55/5/10/15/15 framework, with optional tithing, debt-free investing, emergency-fund guidance, and a custom savings goal.
1. Income
$
Use the amount that actually hits your bank account each month.
2. Do you tithe?
3. Do you currently have debt?
4. Emergency fund status
5. What are you saving for?
Optional. This customizes your short-term savings bucket.
6. View results as
Your Money Plan
Budgetable Income
Amount Used for the 55/5/10/15/15 Plan
$9,000/month
Your full take-home income is available for the framework.
55%
Essentials
$4,950/month
Housing, groceries, utilities, transportation, insurance, and core living expenses.
5%
Guilt-Free Spending
$450/month
Spend it however you want without wrecking the plan.
10%
Debt Payoff
$900/month
Use this to accelerate debt payoff beyond required minimum payments.
15%
Short-Term Savings
$1,350/month
15%
Long-Term Investing
$1,350/month
Retirement accounts, brokerage investments, and long-term wealth building.
Future-Focused Money
Debt payoff + short-term savings + long-term investing
100% of budgetable income allocated.