How to build your first budget

Every budget starts with one honest number: your monthly take-home pay. Once you have it, the first split is easy — try it here:

Monthly take-home income ($)

Needs (50%): $2,500
Wants (30%): $1,500
Savings (20%): $1,000

A free plan, no card needed. See where your money actually goes.

Keep this budget live in LedgeKar

Those three buckets are a draft, not an answer. Spend a week noticing where money actually goes, then drag the numbers to match reality. The version you keep is the one that fits your life, not the one that fits the rule.