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50/30/20 Budget Calculator

Split your income the simple way: 50% for needs, 30% for wants, 20% for savings & debt. See how your real spending compares to the recommended targets.

Your monthly income

Take-home pay per month

Ideal 50/30/20 split
🏠
Needs
50% target
$2,500
Rent, groceries, utilities, transportation, insurance, minimum debt payments
🎉
Wants
30% target
$1,500
Dining out, entertainment, hobbies, vacations, subscriptions, shopping
💰
Savings & debt
20% target
$1,000
Emergency fund, retirement, investments, extra debt payments
Your actual spending

Target: $2,500

Target: $1,500

Target: $1,000

Spending breakdown$0 / $5,000 (0%)
Needs $0 (0%) Wants $0 (0%) Savings $0 (0%)
✓ You're under budget by $5,000/mo
Variance vs ideal
Needs−$2,500
Wants−$1,500
Savings−$1,000
$5,000
Income
$0
Total spent
$5,000
Left over
0%
Savings rate

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