Where a year-end bonus should go

A bonus feels like free money, which is exactly why it leaks away. The fix is boring and effective: decide the order before it lands. Enter the amount you actually receive after tax, then the high-interest debt, the emergency shortfall and the planned big expense; the tool fills them in priority order and shows what, if anything, is genuinely free to spend.

Result

With 54,000 landing after tax, fill needs by priority: first clear high-interest card debt 12,000, then top up the emergency shortfall 18,000, then set aside 8,000 for a planned big expense — leaving 16,000.

After-tax amount received: 54,000
Clear high-interest debt: 12,000
Top up emergency fund: 18,000
Set aside for big expense: 8,000
Left over: 16,000

The after-tax amount filled by priority; only the last slice is money you can freely spend.

The leftover follows your inputs; the priority order is a suggestion, not a rule.

Assumptions & limits

Use the amount you receive after tax; the tool holds no tax table. Do not spend against the pre-tax figure before it arrives.