Budget Calculator

Split your income with the 50/30/20 rule. Free, private, and runs entirely in your browser.

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Enter values and press Calculate to see the result here.

How this is calculated

The 50/30/20 rule allocates half of after-tax income to needs, 30% to wants and 20% to savings and extra debt payments.

Needs = 50%, Wants = 30%, Savings = 20%

What counts as needs? Housing, utilities, groceries, insurance, transport and minimum debt payments.

Is 50/30/20 mandatory? No, it is a starting guideline you can adjust.