Enter your refund amount and financial obligations. Get a personalized allocation plan across debt, savings, and business investment.
Your Financial Snapshot
Total refund you expect to receive
Credit cards, payday loans, etc. (15%+ APR)
3 months of essential expenses
What you already have saved
Rent, groceries, utilities, minimums
Your Personalized Refund Deployment Plan
$0
Debt Paydown
$0
Emergency Fund
$0
Business Seed
$0
Buffer / Flex
๐ก Recommendation:
Debt
Emergency
Business
Buffer
How This Calculator Works
We use a priority-based allocation framework:
- Debt first โ High-interest debt (15%+ APR) costs more than most investments return. Paying it down is a guaranteed return.
- Emergency fund second โ One unexpected expense without a safety net can force you back into debt.
- Business seed third โ Only after the first two are addressed should you risk capital on a business.
- Buffer last โ Flexibility for tax prep fees, unexpected costs, or opportunities.
Note: This is educational guidance, not personalized financial advice. Consult a CPA or financial advisor for your specific situation.