50/30/20 budget calculator
The 50/30/20 rule splits your take-home pay three ways: 50% for needs, 30% for wants and 20% for savings and extra debt payments. Type your pay to see your numbers. Nothing you type leaves this page.
My take-home pay
What lands in your account each month, after tax.
Compare with what you spend now
| Bucket | 50/30/20 | You now | Difference |
|---|---|---|---|
| Needs | - | - | |
| Wants | - | - | |
| Savings and extra debt | - | - |
A guideline, not a rule. If your needs are more than 50%, start where you are and move toward it.
What goes where
- Needs (50%): rent or mortgage, utilities, groceries, transport to work, insurance and minimum debt payments.
- Wants (30%): eating out, shopping, streaming and other subscriptions, hobbies and trips.
- Savings (20%): an emergency fund, savings goals, retirement, and anything you pay on debt above the minimums.
Run 50/30/20 on every paycheckThe 50/30/20 Budget + Bill Tracker splits your pay, flags any bucket that goes over and tracks 30 bills across 12 months. $5.
Get the tracker for $5Want every month of 2027 with a dashboard? See the 2027 Budget Planner.
Questions
Take-home pay or before tax?
Take-home pay: what reaches your account after tax and other deductions.
Where do debt payments go?
Minimum payments are needs. Anything extra you pay to clear debt faster counts toward the 20%.
What if my needs are more than 50%?
That is common, especially with high rent. Use the numbers as a direction: trim wants first and grow the 20% when you can.
Is my information saved or sent anywhere?
No. The math runs in your browser. Nothing you type leaves this page.