50/30/20 Budget Planner

Split take-home pay into needs, wants, and savings with the classic 50/30/20 rule.

Monthly take-home pay ($):

Your actual needs ($):

Your actual wants ($):

How to use

Enter monthly take-home pay, then click Calculate.

What counts as a 'need'?

Housing, utilities, groceries, transport to work, insurance, minimum debt payments — true essentials only.

What if my needs exceed 50%?

Common in expensive cities. Aim to get wants under 30% and protect the 20% savings first, then work on needs.

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