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Six jars: give every dollar a job

The 55/10/10/10/10/5 split is a balanced starting point for today, the future, and enjoyment, and it remains adjustable.

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A six-jar spending plan in befinely.
Income → Six-jar allocation → Intentional spending

What the six jars do for you

01

Protect essential needs

NEC 55% covers housing, food, transport, and the essentials that keep daily life stable.

02

Make room for the future and joy

FFA 10%, LTSS 10%, EDU 10%, PLAY 10%, and GIVE 5% support future plans, long-term savings, growth, enjoyment, and giving.

03

Compare the plan with real life

Categories route each transaction into its jar, revealing which purpose is on track or over its intended share.

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