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Free Budget Calculator (50/30/20)
Plan your monthly spending with the simple 50/30/20 rule.
📊 Enter Your Info
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📊 Your Result
What 50/30/20 Means
It's the simplest way to budget. 50% of your take-home pay goes to needs (rent, food, bills). 30% to wants (fun stuff). 20% to savings. No spreadsheets. No apps. Just three numbers.
How to Use It
Enter your monthly take-home pay — what hits your bank account after taxes. Tap Calculate. You'll see exactly how much to put toward each category. The breakdown is a guide, not a rule.
What to Do Next
If you're spending over 50% on needs, look for ways to cut rent or food costs. Use the paycheck calculator first if you're not sure what your take-home pay is.