Free tool
50/30/20 budget calculator
Enter your monthly take-home pay and roughly what you spend on needs, wants and savings now. See the 50/30/20 targets next to your numbers. You can change the split to fit your life. Nothing is stored.
You put toward savings and debt
13% of take-home pay
| Target | Yours | Share | |
|---|---|---|---|
| Needs | $1,900 | $2,200 | 58% |
| Wants | $1,140 | $1,100 | 29% |
| Savings and debt | $760 | $500 | 13% |
Not yet assigned: $0 a month
To reach 20% for savings and debt, find about $260 a month. Wants are 29% of your pay and needs are 58%.
A guide, not a rule. In high-cost areas, needs often take more than half. Estimates only, not financial advice.
Next steps
- Not sure what you spend? See track your spending first.
- Want a different method? See budgeting methods compared.
- Make saving automatic. See pay yourself first.