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50/30/20 budget calculator

Split your monthly take-home pay into needs, wants and savings with the 50/30/20 rule.

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Your result

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How to use this tool

  1. Enter your values or choose a local file. Replace the example data with your own.
  2. Review options, units and assumptions, then run the tool.
  3. Check the result before copying or downloading it. Keep an original copy of important files.

Method & assumptions

Split your monthly take-home pay into needs, wants and savings with the 50/30/20 rule.

needs 50%, wants 30%, savings 20%

Worked example

Monthly take-home pay: 4,500

→ Needs (50%): 2,250
→ Wants (30%): 1,350
→ Savings & debt repayment (20%): 900

Limits & important notes

Basic release. Review the result before relying on it. File limits, supported cases and processing requirements are shown above.

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Are my inputs stored?

Your inputs stay in this tab. We do not receive your files, pasted text or calculation values.

Is this tool free?

Yes. No signup or payment is required.

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