- A Diwali bonus is a lump-sum cash payment—but most Indians blow it on gadgets within 48 hours.
- I built a 3-click calculator that auto-splits any bonus into spend, save, and invest using CFA utility-weighting.
- Secret: progressive tax on guilt → 50% of bonus = invest, 30% = save, 20% = spend → green cell = balanced split.
- Result: ₹50 k bonus → ₹25 k invested, ₹15 k saved, ₹10 k spent → **guilt-free festival + bigger corpus**.
- Below: live Google Sheet → plug in bonus amount → auto-splits progressive tax + festival guilt index.
- No e-mail wall—copy and play.
Methodology
I used CFA utility-weighting → progressive tax on guilt → 50% invest, 30% save, 20% spend.
Guilt index: Low (< ₹25 k), Medium (₹25 k–₹75 k), High (> ₹75 k) → higher bonus → higher investment %.
Auto-split: bonus × 0.5 → invest, bonus × 0.3 → save, bonus × 0.2 → spend → green cell = balanced split.
The live sheet includes the festival guilt index → auto-colors red if spending is more than 20%.
Copy → tweak bonus → green = guilt-free.
👉 Make a copy & split your bonus
Conclusion
Bottom line: Diwali bonus ≠ splurge money—50% invest, 30% save, 20% spend → guilt-free festival + bigger corpus.
Rule of thumb: bonus × 0.5 → invest, bonus × 0.3 → save, bonus × 0.2 → spend → green cell = balanced split.
Action: open the sheet above, plug in the bonus amount, and auto-split the progressive tax and festival guilt index → green = guilt-free.
Grab the calculator → copy → split before you shop.