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50/30/20 Budget Calculator

Compare your needs, wants, and savings against the 50/30/20 budgeting guideline.

Common questions

About this calculator

Are debt payments part of needs or savings?

Minimum debt payments usually belong in needs. Extra principal payments can count toward the 20% wealth-building category.

What if rent makes needs higher than 50%?

Use the gap as a signal. You may need a different rule, lower wants, higher income, or a longer-term housing change.

The rule assigns 50% of take-home income to needs, 30% to wants, and 20% to savings or extra debt payoff.

Category gaps compare your actual inputs with those guideline targets.

The rule is a starting point, not a requirement for every city or income level.

Educational planning estimate. It does not replace an official calculation or individualized financial, tax, or legal advice.

Plan income, expenses, savings, and unassigned cash for the month.

Estimate how much you can spend before payday while protecting bills, goals, debt, and a cash buffer.

See the annual and multi-year cost of recurring subscriptions.