50/30/20 Calculator

Take-home pay split into needs, wants, and savings lanes.

The 50/30/20 split was popularised by Elizabeth Warren and Amelia Warren Tyagi in All Your Worth: half of take-home pay to needs, thirty percent to wants, twenty percent to saving and debt beyond the minimums. It works on take-home pay, not gross.

It is a starting frame, not a rule. In an expensive rental market the needs half is often impossible, and that result is information rather than failure: it says the housing line is the thing to work on, not the coffee.

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Beispielzahlen

Monthly take-home income$3,200

Beispielergebnisse

Needs (about 50%)$1,600

Wants (about 30%)$960

Savings & extra debt (about 20%)$640

Needs: housing, utilities, basic groceries, transport to work, insurance, minimum debt payments. Wants: dining, streaming, upgrades, hobbies. Savings lane: emergency fund, retirement, extra debt payments.

High-cost cities push needs past 50%: keep the lanes, change the numbers, and protect the savings lane hardest (shrink it last, restore it first).

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