50/30/20 Budget Calculator

Build a balanced monthly budget in one screen using the 50/30/20 rule.

Monthly take-home ($)

Need-based: rent, groceries, utilities, insurance, minimum debt payments.
Wants: dining, streaming, hobbies, travel.
Savings: emergency fund, extra debt paydown, retirement, investments.

Needs %

Wants %

Savings %

Needs50% · $2,600

Wants30% · $1,560

Savings & debt20% · $1,040

Weekly envelope

Spread your take-home across the month. A quick rule of thumb: divide each bucket by 4.33 to get a per-week allowance.

Needs / week

$600

Wants / week

$360

Savings / week

$240

Over deze tool

Enter your take-home pay and the tool splits it into Needs (50%), Wants (30%), and Savings/Debt (20%). The default budget framework on r/personalfinance for first-time budgeters.

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