Systems, computer program products, and methods are described herein for intelligent allocation of resources over multiple events into an auxiliary source retainer. The present invention may be configured to determine a total amount of resources for a resource distribution between an entity and a user and receive input indicating that the user provided a transferred amount of tangible resources to the entity. The present invention may be further configured to determine a difference between the transferred amount and the total amount, where the difference includes a primary amount of resources corresponding to primary tangible resources and a secondary amount of resources corresponding to secondary tangible resources. The present invention may be further configured to allocate, from a source retainer associated with the entity, the secondary amount of resources to an auxiliary source retainer associated with an auxiliary resource distribution instrument provided by the user.