When dealing with N-income household, the Sankey buckets are best kept as small as possible, notably for each stage of calculation required to compute the next

When dealing with N-income household, the Sankey buckets are best kept as small as possible, notably for each stage of calculation required to compute the next stages like: - health saving accounts - pre-taxable gross income - tax rate for FICA (social security income tax) - medicare tax - medicare premium - SSDI additional income tax (5-stage) - 401K withholding - stock matching by its company (3-stage) - flow disruption by separate activation of retirement benefits (9-stage) - long-term disability tax - any local/state income tax and their eccentric stages. What you want to avoid is a straight line to the "budget" bucket but instead toward a "taxed cash-on-hand" and "untaxed cash-on-hand" in general-ledger-speak. So you have several Sankey groupings like: - individual earnings - pretaxed lockup - taxes - deferment to next year's tax return - taxable benefits (payout of SSRB, 401k, annuity, student saving accounts, interest earned, capital gains/losses (including recent "bitcoins" Then you can fan out to crazy spending stuff: I don't bother with that part myself.