See the dollar amount to type on your payroll form for each account.
See the dollar amount to type on your payroll form for each account.
Paycheck
Take-home pay after taxes and deductions.
How often you get paid
Your take-home pay per paycheck after taxes and deductions
Accounts
Using "Remainder" ensures your full paycheck is allocated even if percentages change.
Total Per Paycheck
$2,000.00
2 accounts · about 4,333.33/month take-home
biweekly pay
Use monthly take-home in the budget calculator to see what is left after bills.
Allocations
Checking
70%
$3,033.33
$1,400.00 per check
Savings
Remainder
$1,300.00
$600.00 per check
Most employers let you split your direct deposit across multiple bank accounts — a flat amount or percent to each, with one account receiving the remainder. This calculator lets you plan that allocation before you fill out the payroll form: enter your net paycheck and pay frequency, add accounts, and assign each one a flat amount, percent, or the remainder.
The preview shows exactly how many dollars land in each account every payday and what that adds up to per month and per year. A popular pattern is to send savings off the top — say, 10% to a high-yield savings account and the remainder to checking. Because the money never touches your spending account, saving stops being a monthly decision and becomes a default.
This "pay yourself first" setup is one of the most effective savings techniques because it removes willpower from the equation. Start with a percentage that feels almost too easy — even 5% — and revisit it after a few paychecks. Most people find they do not miss the money, and the calculator makes it easy to preview the next increment before changing the payroll form.
Example: $1,850 net bi-weekly pay split 10% to savings ($185) and the remainder to checking yields $401/month to savings and about $3,330/month in checking — before you touch the payroll portal.
An allocation amount is the part of each paycheck you direct to one bank account. On a payroll form, it may be entered as a flat dollar amount, a percent of net pay, or the remainder left after the other allocations.
Use a flat amount when you want the same number of dollars sent to an account each payday. Use a percent when the allocation should rise or fall with your paycheck. Designate one checking account for the remainder so every dollar has somewhere to go.
Add both accounts in your payroll portal, choose a flat amount or percent for savings, and send the remainder to checking. For example, on a $1,850 paycheck you could allocate 10% — $185 — to savings and the remaining $1,665 to checking.
Automation removes the decision. Money routed to savings before it reaches checking never feels spendable, so the plan survives busy months and low-willpower weeks. Manual transfers compete with every other use of the money sitting in checking.
Payroll systems round differently, some employers cap the number of accounts, and fixed-dollar splits can fail if your paycheck varies. Confirm totals on your first real deposit after changing the form.