50/30/20 budget calculator

Enter your monthly after-tax income and see how the 50/30/20 rule splits it into needs, wants, and savings & debt. Nothing is uploaded.

Monthly after-tax income

Currency

—Needs · 50%

—Wants · 30%

—Savings & debt · 20%

The 50/30/20 rule is a simple guide, not financial advice. Needs are rent, food and bills; wants are extras; the rest pays down debt and builds savings.

Everything runs in your browser. No upload, no sign-up.

How it works

STEP 1

Enter your income

Type your monthly take-home pay — what lands in your account after tax.

STEP 2

See the split

50% for needs, 30% for wants, 20% for savings and paying off debt.

STEP 3

Plan per week

Switch to a weekly view to budget in smaller, everyday amounts. All private.