50/30/20 Budget Calculator
50/30/20 budget calculator: split your take-home pay into needs (50 %), wants (30 %) and savings or debt payments (20 %). Adjust the shares to your situation.
needs 50 % · wants 30 % · savings 20 %
How to use this calculator
- Type your input in the box.
- The result updates as you type.
- Use “Copy result” or “Copy link” to share it.
Needs are rent, utilities, groceries, insurance and minimum debt payments. Wants are everything optional. The 20 % builds savings and pays debt faster.
Frequently asked questions
$4,500 a month take-home?
$2,250 needs, $1,350 wants, $900 savings.
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