50/30/20 Budget Calculator
Enter your monthly after-tax income and pick a split — see exactly what goes to needs, wants and savings.
$0Needs (50%)
$0Wants (30%)
$0Savings & debt (20%)
Needs — $2,000
Wants — $1,200
Savings & debt — $800
Needs: rent, groceries, utilities, insurance, minimum debt payments. Wants: everything you could pause. Savings & debt: emergency fund, retirement, payments above minimums. Educational tool — not individualized advice.
How to use these numbers
Move the savings amount out automatically on payday — automation beats willpower. If your needs exceed the target, pick a gentler split and treat housing costs as the long-term lever, not a monthly failure.
Full walkthrough: How to budget with the 50/30/20 rule, step by step.