Free Tool

Budget Calculator

Enter your income and see exactly how to split it using the 50/30/20 rule — or customize the split to fit your life.

Take-home income
$
Pay period
Monthly income
$
Needs (50%)
Wants (30%)
Savings (20%)
50%
Needs
Housing, food, utilities, transport, insurance, minimum debt payments
$2,250
30%
Wants
Dining out, entertainment, subscriptions, hobbies, clothing beyond basics
$1,350
20%
Savings & Debt
Emergency fund, retirement contributions, extra debt payments, investments
$900
✅
Enter your income above to see your personalized budget breakdown.
Needs $2,250/mo
🏠 Rent / Mortgage$1,125
🚗 Transportation$338
🛒 Groceries$338
⚡ Utilities$225
🏥 Insurance$225
Wants $1,350/mo
🍽 Dining out$405
🎬 Entertainment$270
📱 Subscriptions$135
👕 Clothing$270
🎯 Personal / Other$270
Savings & Debt $900/mo
🆘 Emergency Fund$270
🏦 Retirement (401k/IRA)$360
💳 Extra Debt Payments$180
📈 Investments$90
Customize Your Split

The 50/30/20 rule is a starting point — not a rule. Adjust the sliders to match your actual situation.

Needs 50%
Wants 30%
Savings 20%
Get your budget as a printable PDF
We'll email your personalized budget breakdown plus weekly saving tips.