“How much do I actually have?”
Many people know their paycheck and their rent but can’t say exactly how much is left once everything is paid.
Coming Fall 2026
Your paycheck, prioritized.
Allocue works out how much money you have left after your bills each month, then tells you where it should go and why. If you’re also saving for something with a deadline, like a move or a trip, it shows you what each choice costs.
Built for recent graduates and students. Financial support, not financial advice.
A first look at Allocue
Illustrative
Grace, 22
Six months out of school, with competing priorities.
G
$52K salary
$20K private student loan at 8.5%
$30K federal student loans at 5%
No employer match
$1,000 saved
Her goal
WhatSummer trip
How much$2,000
By whenMay 2027
Saved so far$0
How much does Grace have to work with?
Step 1Take-home$3,100
Monthly costs$2,506
Left over$594
Two paychecks of $1,550. Monthly costs include essentials ($1,640), student loan minimums ($566), and personal spending ($300).
Where should her $594 go?
Step 2Her starter emergency fund is in place and her employer doesn’t offer a match, so her 8.5% private student loan is next. Her trip is competing for the same money.
1
Best for her finances
All $594 to her private student loan
Why: It has her highest interest rate. With nothing going to the trip this month, she’d need to save $286 a month afterward to reach $2,000 by May.
Recommended
2
Keeps the trip on schedule
$250 to the trip, $344 to the loan
Tradeoff: She stays on track for May, but the loan takes longer to pay down and costs more in interest.
Her choice
To check: whether her federal student loans qualify for forgiveness or other repayment benefits. That affects whether paying them off early makes sense.
The idea
Personal finance advice is easy until good rules disagree.
“Pay off debt.” “Build an emergency fund.” “Don’t miss your employer match.” “Save for the thing you actually care about.” All can be right. The hard part is deciding what comes first for your situation.
“A car in a year or two.”
Goals like a move, a wedding, or grad school are real, but they rarely come with a clear monthly savings target.
“Loans, savings, or investing?”
When debt, savings, investing, and a goal all compete for the same dollars, a one-size-fits-all order doesn’t tell you what to do first.
How it works
First, see what you really have to work with. Then decide where it goes.
You don’t have to guess how much you can save. Allocue works it out from your take-home pay and monthly costs, whether you’re on a first salary, a stipend, or part-time pay while you finish school.
01 HOW MUCH IS AVAILABLE
Start with what’s left after your bills.
Enter your take-home pay, essential expenses, minimum debt payments, and a single number for personal spending. No sorting every purchase into categories. If your hours vary, Allocue plans around your slower months.
02 WHERE IT SHOULD GO
Get a ranked plan with a reason for every step.
Allocue works through a starter emergency fund, your employer match, high-interest debt, a larger emergency fund, remaining debt, and investing. Not sure of a rate or your match? We’ll use an estimate and flag it for you to confirm.
03 WHEN A GOAL COMPETES
See both options, then decide.
Add a goal with an amount and a date. If it competes with a higher priority, Allocue shows you two paths: the one it recommends and the one that keeps your goal on schedule. Then it explains the tradeoff.
What’s different
Why not just use a flowchart, an app, or AI?
A flowchart gives you rules. A budgeting app shows you where your money went. AI can talk it through. Allocue turns your actual numbers into one clear plan.
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Built to answer one question: once my bills are paid, what should I do with the rest?
Money Guy FOO & free flowcharts
A great starting point, but everyone gets the same order. Allocue applies that kind of order to your actual rates, match, and savings, and shows what changes when a goal has a deadline.
Budgeting apps like Empower
Great for tracking spending and accounts. Allocue focuses on the next decision: what to do with the money left over.
ChatGPT & other AI
Great for explanations and quick questions, but the answer can change depending on how you ask. Allocue follows a documented decision model, so the same numbers always get the same plan and every assumption is visible.
Allocue
Works out what you have left, ranks where it should go with a reason for each step, and shows both options when your goal and the math disagree.
Simple by design.
Estimates and ranges are enough to get a plan. If you’re unsure about something, Allocue flags it for later instead of stopping you.
Estimates welcome
No account needed
No bank login
No SSN
Stays on your device
Coming Fall 2026
Want to be one of the first to try it?
Testing starts in late October. I’m looking for recent graduates and students to try the first working version, talk through how they make money decisions, or share a financial scenario for research.
Please do not send account numbers, Social Security numbers, bank logins, or other sensitive credentials by email.