Rank competing goals by urgency and value trade-off.

Most households have more financial goals than monthly savings budget allows. Emergency fund, retirement, house deposit, holiday, children's education, career change fund — all compete for the same limited monthly allocation. Without explicit prioritisation, the most urgent goal gets funded and the rest drift, sometimes for years.

This calculator forces explicit ranking. Three goals, each scored on urgency (how soon it needs to happen) and value (how much it matters long-term), plus target amount. The combined score produces a priority ranking. Monthly budget is then allocated proportionally to the combined scores, so higher-priority goals receive more funding.

This isn't the only valid allocation method — some people prefer to fully fund one goal before starting another, while others prefer parallel progress on all. The tool supports the parallel approach with priority weighting. For single-focus approach, fund highest-priority goal entirely first.

How to use it

Name your three biggest goals. Score each: urgency 1 (flexible) to 10 (very soon), value 1 (nice to have) to 10 (life-critical). Target amount for each. Monthly budget available. The tool produces priority rank and suggested allocation.

What the result means

Top priority has highest combined score — the goal your effort should weigh toward. Allocation split shows how to divide the monthly budget based on priority. If the highest-scoring goal is 2x the second, it gets roughly 2x the allocation.

Priority-setting tool, not financial advice.

A worked example

Try the defaults: monthly budget available of 1,000, goal 1 target amount of 5,000, goal 1 urgency of 9, goal 2 target amount of 30,000. The tool returns 915.25. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.

What moves the number most

The result responds to Monthly Budget Available, Goal 1 Target Amount, Goal 1 Urgency (1-10), Goal 2 Target Amount, and Goal 2 Urgency (1-10). Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

The formula behind this

Combined score is urgency × value. Priority is ranked by combined score. Monthly budget allocated proportionally to combined scores. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.

The annual review habit

Plug new numbers in every year. Income changes, expenses shift, markets move. A plan that isn't revisited quietly drifts out of date. This tool is cheap to re-run — so re-run it.

What this doesn't capture

Real plans get re-run against new information every year or two. The result here is a reasonable direction, not a destination. Treat it as a starting point for thinking, not a commitment to a specific future.