Allocate your income across T. Harv Eker’s 6 Jars — free, with a printable plan.
T. Harv Eker's 6 Jars system, from his book "Secrets of the Millionaire Mind," pre-allocates every dollar you earn into six purpose-built jars the moment it arrives — unlike a typical budget that tracks spending after the fact.
The six jars, with their commonly-cited target percentages: Necessities (55%) for everyday living costs, Financial Freedom (10%) set aside permanently for investments and never spent, Long-Term Savings (10%) for planned future expenses, Education (10%) for books, courses, and self-improvement, Play (10%) that Eker explicitly recommends actually spending every month, and Give (5%) for donations or charitable giving.
Eker's own system doesn't have a separate jar for insurance premiums or children's school fees — both fit under Necessities, the everyday-living-costs jar, since they're recurring, non-discretionary costs the same way rent or groceries are. If either is billed annually rather than monthly, divide the yearly amount by 12 before folding it into your Necessities figure.
Unlike the 50/30/20 or 70/20/10 rules, none of these six is a "leftover" bucket — all six are direct, deliberate allocations, matching the system's own philosophy that every dollar should have a job assigned the moment you're paid. This tool shows whether your six amounts actually add up to your income, since over- or under-allocating is easy to do by accident when adjusting six sliders independently.
They’re commonly-cited starting targets, not a hard rule — you can adjust each jar to fit your own situation. This tool shows you plainly if your total is over or under your income so you can see the effect of any adjustment.
It’s specifically for investments that generate income — not everyday savings. Eker’s system treats this money as never to be spent, only invested, with the goal of eventually living off its returns.
Yes — Eker explicitly recommends actually spending this jar’s money on something enjoyable each month, rather than letting it accumulate, as a deliberate balance against the system’s other five more disciplined jars.
No — everything runs in your browser. Nothing is saved or transmitted, including when you export or print the plan.
Under Necessities — Eker’s system doesn’t have a separate jar for either, and both are recurring, non-discretionary costs the same way rent is. If either is billed annually, divide by 12 before adding it to your Necessities figure.
They pass your combined Financial Freedom and Long-Term Savings amounts directly into e309 Calculators’ SIP or Recurring Deposit calculator, since those two jars are the ones actually meant for investing.
Choose 6 Jars if you want a more structured system with a permanently protected investment jar and a specific allocation for both self-improvement and giving, built into the framework itself — useful if you’re drawn to Eker’s broader wealth-building philosophy, not just a simple spending split. If you want something simpler with fewer categories, use 50/30/20 or 70/20/10 instead.