Calculators start from these; you can still change any field. Saved in this browser only.
Split your take-home pay into needs, wants and savings with the 50/30/20 rule, and see where your spending is over or under.
Working it out...
Fill in the form and press Calculate to see your result.
Take-home pay times each share: 50% for needs, 30% for wants and 20% for savings and extra debt payments by default, the split popularised by Elizabeth Warren and Amelia Warren Tyagi in "All Your Worth" (2005). You can change the shares. When you enter what you spend now, each bucket shows how far over or under its target it is.
Estimates for planning, not professional advice. What changed and when →
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