10-20-70 Budget Allocator

What the 10-20-70 split means

The 10-20-70 rule is a rough guide to where AI transformation money should go: about 10 percent to algorithms and models, 20 percent to technology and data, and 70 percent to people and process. The point is not the exact numbers. It is the shape. The largest share belongs to the human system, because that is where transformations succeed or stall, not in the model layer where the hype concentrates.

When a client budget inverts that shape, loading spend onto algorithms and infrastructure while underfunding change management, training, and workflow redesign, it is a reliable early signal that the program will produce impressive tooling nobody adopts. This tool normalizes whatever numbers you have, dollars or percentages, into a clean split and shows you the gap against the benchmark, one bucket at a time.

How to read your result

• Your split vs benchmark bars. Two bars per bucket: your normalized share and the 10-20-70 benchmark share. A short people-and-process bar next to a tall benchmark bar is the pattern to watch for.
• The gap column. Signed percentage points, actual minus benchmark. A positive gap on algorithms or technology means you are over-indexed there; a negative gap on people and process means you are under-funding the work that actually lands.
• The verdict. A one-line read of the split, flagging whether you are overweighting the model and tech layer at the expense of people and process.