50/30/20 Budget Calculator
Explore a budgeting framework using your monthly take-home pay.
50/30/20 budget calculator
An editable starting point for your take-home income.
Updates as you typeYour numbers
Start with the example. Change it to fit your plan.
Amount in US dollars.
50% needs, 30% wants, 20% savings and extra debt repayment. This framework is a starting point, not a requirement. Your costs and priorities may need a different split.
Your result
Rent, groceries, utilities, minimum debt payments.
Dining out, hobbies, streaming — the flexible half of living.
Future you: savings first, then extra debt payoff.
The whole paycheck, accounted for
- Needs$1,50050.0%
- Wants$90030.0%
- Savings & extra debt$60020.0%
Cent rounding distributes any remainder so the three amounts add up to your income exactly. At very small incomes, the displayed proportions can differ from the target percentages.
Results are educational estimates from your inputs and the assumptions shown, rather than a guarantee or individual financial advice. About our estimates.
Put your plan into practice
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