How should I divide or classify team of programmers to get effective resource using (time, money)?

I think that any team of programmers has some diversity. I mean there are some senior programmers (high quality of qualification), programmers (medium quality of qualification), and junior programmers (low quality of qualification). If some IT company has annual budget for a software department (for development, testing etc) how to plan job and pay salaries to the programmers' team in optimal way?

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