Not another "50% debt, 30% savings, 20% fun" formula. This tool looks at your actual financial position first — taxes owed, urgent needs, debt, emergency savings — then shows you three different ways to put a windfall to work.
1About This Windfall
Where it's coming from changes how much of it is really yours to allocate.
$
$
$
$
If you already know what you'll owe, enter it here instead of using our source-based estimate
$
Set aside automatically and excluded from the plans below — for example, settlement funds earmarked for a specific purpose
2Your Financial Foundation
This is what actually drives the recommendation — not a generic percentage split.
$
$
$
$
$
$
$
Anything large you already know is coming in the next year or so
$
This is treated as close to free money and prioritized early in every plan
We treat balances at 7% APR or higher as high-interest and prioritize them in the plans below
3Your Goals
Check anything that applies and add an amount if you have one in mind. Building emergency savings and paying down debt are already accounted for above.
$
$
$
$
$
Signals interest only — we'll show what your plan's investing allocation could grow into either way
$
4Your Preferences
$
We reserve this same amount in all three plans below, as long as the windfall covers it
If yes, we'll flag the Growth-First plan as a poor fit
This tool provides general educational estimates only. It is not personalized financial, tax, or legal advice, and tax treatment of windfalls varies by situation. Read our full disclaimer →
Your Three Plans
Fill in your numbers above, then select "Build My Three Plans" to see your results.
Category Breakdown by Plan
What Each Plan Means for You
Progress Toward Your Stated Goals
Assumptions Used
Was This Helpful?
Let us know if this tool was useful, it helps us know what to keep improving.
Thanks for letting us know!
Know Someone Who Just Got a Windfall?
Did this tool help you build a plan instead of guessing? Do you know someone who just came into extra money? Feel free to send them this link:
A friend who just got a bonus, tax refund, or inheritance
Someone unsure whether to pay off debt, save, or invest a lump sum
A family member tempted to spend it all before making a plan
Anyone who wants a plan built around their own financial position, not generic advice
A little bit of planning turns a windfall into lasting progress instead of a missed opportunity. Help them on their journey to financial confidence.