Free budget calculator

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

Monthly take-home income

Needs (50%) $2,000

Wants (30%) $1,200

Savings & debt (20%) $800

Needs = rent/mortgage, utilities, groceries, insurance, minimum debt payments, transport. Wants = everything optional. Savings & debt = emergency fund, retirement, extra debt payments.

Paycheck planner

Enter one paycheck and the bills due before the next one.

This paycheck (net)

Bills due before next payday

Groceries, fuel & everyday spending

Savings

Left over

$250

Want this on autopilot for the whole year?

12 months of budgeting on autopilot — dashboard, 60 categories, bills, debt, savings and net worth in one Excel / Google Sheets file.

See the Ultimate Annual Budget Spreadsheet → $14.99