Free budget calculator
How does the 50/30/20 rule split a monthly budget?
Needs — rent, groceries, insurance, minimum debt payments — get 50% of after-tax income, wants get 30%, and saving plus extra debt payments get the last 20%. On $4,000 of monthly take-home pay that is $2,000 for needs, $1,200 for wants and $800 for savings and debt.
Try the 50/30/20 rule on your own numbers, or plan a single paycheck. Nothing is stored — it all runs in your browser.
50 / 30 / 20
Needs = rent/mortgage, utilities, groceries, insurance, minimum debt payments, transport. Wants = everything optional. Savings & debt = emergency fund, retirement, extra debt payments.
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