Diwali Bonus Calculator – Spend, Save, Invest Split (Free Google-Sheet)
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 … Read more