Budgeting

50/30/20 Budget Calculator

The 50/30/20 rule divides your income into three simple buckets. Pop in your take-home pay to see yours.

$
Your net pay after taxes & deductions.
We'll always show results as a monthly budget.
Your monthly budget (50 / 30 / 20)
$0
Split into three simple buckets:
50% · Needs
—
Rent, food, utilities, insurance, minimum debt.
30% · Wants
—
Dining out, streaming, hobbies, travel, gifts.
20% · Save / Debt
—
Emergency fund, investing, extra debt payments.
How to use this split

If 50% doesn't cover your needs, you have a "fixed-cost" problem — look at rent or transport. If there's nothing left for savings, trim wants first. Hitting 20%+ toward savings or debt pay-down every month is how wealth actually gets built.

Heads up: Results are estimates for general planning. They are not personalized financial, tax, or legal advice. Consult a qualified US-based professional before acting on them.

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