50/30/20 Budget Calculator
Enter your monthly take-home pay to see a starting split across needs, wants, and savings.
- Needs (50%)
- $2,500
- Wants (30%)
- $1,500
- Savings (20%)
- $1,000
A free plan, no card needed. See where your money actually goes.
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FAQ
Is the 50/30/20 rule realistic?
It is a starting point, not a law. In high-rent cities, needs often run past 50%, which means trimming wants or savings until the numbers fit your actual life.
Should the percentages use gross or take-home pay?
Take-home. Budgeting against gross pay counts money you never see — taxes and deductions — and leaves you short every month.