50/30/20 Budget Calculator

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.

Monthly take-home pay

What lands in your account each month after taxes and deductions.

Your split (must add up to 100%)

Needs share

Wants share

Savings and extra debt payments share

What you spend now, a month

Needs now (optional)

Housing, utilities, groceries, insurance, transport, minimum debt payments.

Wants now (optional)

Eating out, shopping, trips, subscriptions.

Savings and extra debt payments now (optional)

Emergency fund, retirement, paying debt down faster.

Fill in the form and press Calculate to see your result.