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Spend smarter. Save more. Owe less. Build from there.

Calculator

50/30/20 Calculator

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

Results are estimates from the figures you enter. Nothing is stored.

Results

These aren't your numbers — it's a demo. We filled in an example so you can see how this works. Type your own numbers on the left and everything updates instantly, or wipe the example first:
Worked example
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).
Keep going The 50/30/20 guideFull Budget Builder