50/30/20 Budget Calculator
● Budget plan

Turn any paycheck into a simple plan.

Enter what you take home each month and split it across needs, wants, and savings — starting from the classic 50/30/20 rule, adjustable to fit your life.

Your income

After taxes — what actually lands in your account.

$

Your split

Start from a preset, then fine-tune with the sliders.

Needs — rent, groceries, bills 50%
Wants — dining out, hobbies 30%
Savings & debt — extra payments, investing 20%
Needs — actual spend
Wants — actual spend
Savings & debt — actual

Your monthly plan

$4,000 Split 50 / 30 / 20
Needs $2,000
Wants $1,200
Savings & debt $800

Plan vs. actual

Needs
Wants
Savings & debt

Estimate only, based on the income and split you enter. The 50/30/20 rule is a general guideline, not a rule that fits every budget or region — adjust the split to match your real fixed costs. Not financial advice.