Budgeting
50/30/20 budget calculator
The 50/30/20 rule is a simple starting point: 50% of take-home pay to needs, 30% to wants, 20% to savings and debt. Enter your income to see the split — and, if you like, compare it to what you actually spend.
Your 50/30/20 targets
Needs (50%)
$2,000
Rent, groceries, utilities, minimums
Wants (30%)
$1,200
Dining, subscriptions, travel, fun
Savings (20%)
$800
Saving, investing, extra debt payoff
Make the budget stick
A budgeting app automates the 50/30/20 split, tracks every category, and flags overspending before it happens.
The 50/30/20 rule is a guideline, not a law — high-cost-of-living areas often push needs above 50%. This is general information, not financial advice.