Percent of Income
✅ Quick Answer
Percent of Income is a percentage tool rather than a set amount. It lets you automatically send a percentage of every paycheck to specific priorities before the rest of your money is planned.
Think of it as paying yourself first, built directly into your income flow.
It is commonly used for charitable giving. Avoid the mistake of using it for bills or other set amount items.
What Percent of Income Does
When money flows into Roo, Percent of Income does the following:
- Takes a percentage of that money first
- Sends it to pouches you setup in Percent of Income
- Then lets the remaining money continue down your plan as usual
This happens every time you get paid, without extra steps.
What It’s Best For
Percent of Income works best for priorities you want to protect first or are percentage based. People often use it for:
- Savings or emergency funds
- Tithing or giving
- Long-term goals you don’t want to “forget”
If it is a percentage, Percent of Income makes sure it happens.
How It’s Different From Other Pouches
- Percent of Income uses percentages, not dollar amounts
- It happens before bills, living, and Goals/Other are filled
- It adjusts naturally as your income goes up or down
You don’t have to recalculate anything. The percentage always stays true.
Simple Example
If you set:
- 10% to Savings
- 5% to Giving
Then every paycheck:
- 15% goes to those pouches immediately
- The remaining 85% continues into your regular plan
No reminders. No decisions. No guilt.
How to Start Using Percent of Income
- Start smaller than you think (even 1–3% is fine)
- Watch your Living pouch pace for a few weeks
- Then increase Percent of Income once your day-to-day life feels stable
Roo is about sustainable behavior, not financial heroics.
Good to Know
- You can change or turn Percent of Income on or off at any time
- It’s optional. You only use it if it fits your goals
- Start small if you’re unsure. Even 1–2% builds momentum