Split every paycheck by what matters first.
Type what landed in checking. money map funds your bills, the balance you keep and your savings in the order you rank them — and redraws the whole plan while you type.
By invitation. Someone who already runs a workspace sends you a link, and that link is what creates your account.
No bank connection. You tell it what landed; it tells you where every dollar of it goes.
$2,400.00 of this paycheck is placed; $600.00 stays in checking.
Every row below adds up: what came in, less each priority in turn, is what checking is left holding.
Allocation plan
Starting point
In the order it is funded
Everything left over
Summary
- Leaves for a bill
- Held back
- Reaches a map
- Stays in checking
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Rank what wants the money
Your bills and your maps, listed once. Each carries a priority and asks for money in exactly one way.
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Type what landed
One screen, one form. The plan is worked out on the server on every keystroke, so what you see and what would be saved cannot disagree.
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Save it
Shown back to you once more before anything is written. What you save is the record of where that paycheck went.
Every row asks for money in one of three ways.
A bill, a savings minimum, the balance you keep in checking — all of them are claims on the same paycheck. Each carries a priority and exactly one kind of claim, so nothing on the page is quietly doing two jobs.
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A dollar amount
Rent. An insurance payment. The minimum you always move to the Roth. The balance you keep in checking. A figure that does not move when the paycheck does.
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A share of what is left
A percentage of the pool that remains once every dollar amount is taken out of it. Shares add up to 100, so a large paycheck divides the way a small one does.
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Whatever nobody claimed
One map catches the rest: the rounding, the money a yearly limit turned away, and the overdraw if a paycheck could not cover everything.
This paycheck is $300.00 short of what it has to cover.
The claims come to more than the deposit and the balance together. The priority the money ran out at is split across its rows in proportion to what each asked for, and everything below it got nothing — each row below says how much of it did not fit.
Allocation plan
Starting point
In the order it is funded
Everything left over
Summary
Ranking only matters when there is not enough.
On a paycheck that covers everything, priority changes nothing — every claim is funded in full and the order is inert. It decides who is cut, and only then.
- Each priority is funded in turn, from the top, until the money runs out.
- The priority that runs out is split pro-rata across every claim in it. Same rank, same treatment — an order inside a rank would contradict the whole idea.
- Every row that was cut says so, in dollars, beside the figure that produced it. A short paycheck is reported, never refused.
- It is the same screen either way — the two figures on this page are the same component. Same rows, same colours; smaller numbers, and a line under each one saying why.
Built for money you have already earned.
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Yearly limits
A map with an annual cap stops at it, and the row says how much room is left for the year.
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Gross to net
Work the deposit out from gross pay, tax by tax, if that is easier than reading the stub.
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Every paycheck kept
Date, deposit, bills, savings, what stayed in checking, and what you were worth on the day.
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Balances that follow
Saving a paycheck moves the map balances it names, so what each account holds is a figure and not a guess.
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A second factor
Required of anyone who owns or administers a workspace, and open to everyone else. You can see every session on your account and end any of them.
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Your own workspace
Invite the people who should see it, give each of them a role, and read the log of everything that changed.
Plan the next one.
Set the maps up once. After that a paycheck is one figure, and a look at where it went.
New here? You will need an invite from someone who already runs a workspace — they issue it from the admin platform and pass you the link.