Allocation rules

Demo mode — rules describe how income would be split. No mandate is sent to a bank in this phase.

Payday rent split

35% from Central Wallet → Rent

percentage
monthly
On income
Priority 1
Protects ₦20K

Central Wallet

₦214,500

Auto-allocating
CentralWalletRent₦240KUtilities₦18KGroceries₦64KTransport₦27KSubscriptions₦9K

Illustrative demo data — no real funds move in this phase.

Rule simulator

Rent

35% • priority 1

₦60,000

Utilities

4% • priority 2

₦34,000

Groceries

11% • priority 3

₦93,500

Transport

6% • priority 4

₦51,000

Subscriptions

2% • priority 5

₦17,000

Savings

12% • priority 6

₦102,000

Emergency Buffer

8% • priority 7

₦68,000
Left in Central Wallet₦424,500

Rent is underfunded by this income — requested 297,500 but only 60,000 could be allocated.

Emergency Buffer will still be below its target after this allocation.

Simulation only — figures are calculated locally from your demo wallets.