SSI Method Calculator
Allocation Calculator
The SSI Method balances a Spending Plan, a Savings Plan, and an Investing Plan. See how your income can be divided across the three pillars, based on your age.
Places you in the right age cohort.
Adjust your SSI allocation
Enter your age to begin Spending50%
Saving25%
Investing25%
Total100%
Enter your age and income above to see how your money could be divided.
SSI Method recommendations by age
A starting point for how income can be divided across the three pillars. Select your cohort below, then fine-tune your own allocation.
| Age cohort | Spending | Saving | Investing |
|---|---|---|---|
| 20s | 60% | 20% | 20% |
| 30s | 50% | 25% | 25% |
| 40s | 40% | 30% | 30% |
| 50s | 30% | 35% | 35% |
| 60s | 25% | 30% | 45% |
| 70s | 20% | 30% | 50% |
These allocations are general educational starting points based on age, not personalized financial advice. The right mix for you also depends on your income stability, debt, emergency savings, goals, and comfort with risk.