Budget Calculator
Enter your monthly take-home pay and this calculator splits it into needs, wants, and savings using the 50/30/20 budget rule — showing the target amount for each per month and per year. Adjust the percentages to fit your plan, and compare them against what you actually spend. It runs entirely in your browser — free, instant, no sign-up.
Total: 100%
Enter your monthly take-home pay to see your needs, wants, and savings targets under the 50/30/20 rule.
Frequently asked questions
Take your monthly income after tax and split it three ways: 50% for needs (rent, groceries, utilities, minimum debt payments), 30% for wants (dining out, subscriptions, hobbies), and 20% for savings and extra debt payoff. Enter your take-home pay above and the calculator shows each amount instantly — and you can change the percentages to fit your own plan.
Needs are essentials you can't easily skip — housing, food, utilities, transport, insurance, and minimum loan payments. Wants are the nice-to-haves you choose — eating out, streaming, travel, and upgrades. When something is borderline, ask whether you'd still pay for it in a tight month.
Use your net (take-home) pay — what actually lands in your account after tax and deductions. The 50/30/20 rule is built around the money you can genuinely spend, so budgeting off gross income would overstate every category.
Yes — it's free with no sign-up, and everything is calculated in your browser, so your income and spending figures are never uploaded or stored anywhere.
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