50/30/20 Budget Calculator
Splits your pay using the 50/30/20 rule, or percentages of your own.
Savings and debt
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Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Needs —
Wants —
Saved per year —
Reading this —
The formula
needs 50%, wants 30%, savings 20%
A simple starting split of after-tax income. Change the percentages to suit.
What to watch out for
Move your savings on payday, before the money gets spent.
Frequently Asked Questions
What is the 50/30/20 rule?
Spend 50% of take-home pay on needs and 30% on wants, and put 20% towards savings and extra debt payments. On 3,000 that is 1,500, 900 and 600.