The Bucket System: Think of your accounts as
buckets. Money flows from one to the next like a waterfall—fill
bucket 1 to its goal, then overflow to bucket 2, and so on.
Order matters: Put essential accounts first
(checking buffer, emergency fund), then debts by interest rate,
then savings goals
Debts flow to $0: Use negative amounts for
debts. Set goal to $0 and watch the red bar shrink as you pay it
off
Monthly updates: Update your balances each
month and move money as the tool suggests
📄Export to CSV
💾Export to JSON
💧 Money Flow Visualization
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Use the Setup Wizard to get started, or add buckets manually
📊 Financial Summary
Available to Flow
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Buckets Complete
0 / 0
Total Allocated
$0
Setup Wizard
Let's set up your buckets in the right order
Welcome to Bucket Finance! 💧
This system helps you prioritize where your money should go. We'll
guide you through setting up your buckets in the optimal order
based on financial best practices.
Key Principle: Money flows from one bucket to the
next. Once bucket 1 reaches its goal, excess flows to bucket 2,
and so on. This ensures you're always funding your priorities in
the right order.
What you'll need:
Your current account balances
Knowledge of your monthly expenses
Information about any debts (balances and interest rates)
What are your monthly expenses?
This helps us calculate appropriate goals for your checking buffer
and emergency fund.
Tip: Include rent/mortgage, utilities, food,
transportation, insurance, and other recurring costs.
Do you have any debts?
Debts should be prioritized by interest rate. High-interest debts
(10%+) come first, followed by moderate (4-10%), then low interest
(0-4%).
✅
No Debts
Debt-free
💳
Yes, I Have Debts
I'll add them manually
Retirement Savings
Do you have access to an employer retirement account (401k, 403b,
etc.) with an employer match?
Important: Employer matches are free money!
Always contribute enough to get the full match before focusing on
other goals.
❌
No Match Available
No employer plan
🎯
Yes, With Match
I'll add details
Other Savings Goals
Do you have any specific savings goals beyond emergency funds and
retirement?