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.

결과

결과가 여기에 표시돼요.

왼쪽에 숫자를 입력하고 계산하기를 누르세요. 입력하신 내용은 저장되지 않아요.

실제 예시 보기

예시 수치

Monthly take-home income$3,200

예시 결과

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).

계속 나아가요 The 50/30/20 guide Full Budget Builder