Total Take-Home$11,200Alex $6,000 + Jordan $5,200
Joint Expenses$10,330Shared (54% Alex / 46% Jordan)
All Planned Outflows$11,03098% of household net
Unallocated Cash Flow+$170Safe monthly buffer
💡 Try Starter Archetypes:Instant realistic dual-income configurations
🤝 Who Pays What for Joint Life
Strategy: PROPORTIONAL NET (54% / 46%)
Alex54%
Take-Home Net: $6,000
Joint Bills Transfer:$5,578
Personal Outflows:$350
Personal Fun Left:$72
Jordan46%
Take-Home Net: $5,200
Joint Bills Transfer:$4,752
Personal Outflows:$350
Personal Fun Left:$98
Alex (54%)Total Joint Checking Deposit: $10,330Jordan (46%)
⚖️ 50/30/20 Couple Budget Balance
Healthy benchmark: Needs ≤50%, Wants ≤30%, Savings/Debt ≥20%
Needs (Essentials)66%
$7,395 / target ≤ $5,600
Wants (Fun & Dates)13%
$1,485 / target ≤ $3,360
Savings & Sinking19%
$2,150 / target ≥ $2,240
⚠️ High fixed overhead: Fixed needs take 66% of take-home pay. For dual-earners with daycare or mortgage, this is common, but keep personal discretionary lean until kids enter school.
📑 Category Outflow Breakdown
Where household dollars are directed
Housing & Utilities (5)$3,245 (29%)
Childcare & Family (4)$2,350 (21%)
Food & Household (2)$1,100 (10%)
Transportation (4)$1,020 (9%)
Healthcare (1)$120 (1%)
Couple & Lifestyle (3)$645 (6%)
Personal Spending (2)$700 (6%)
Sinking Funds (2)$550 (5%)
Savings & Wealth (2)$1,300 (12%)
⚡ Payday Action Blueprint
Exact transfer routine for both accounts
1.
Alex deposits salary in personal account → auto-transfers $5,578 to Joint Checking.
2.
Jordan deposits salary in personal account → auto-transfers $4,752 to Joint Checking.
3.
Joint Checking pays $10,330 (Mortgage/Rent, Daycare, Groceries, Utilities, Joint Sinking).