FREE · FINANCE CALCULATORS
50/30/20 Budget Calculator.
Split your monthly income into needs, wants and savings with the 50/30/20 rule or your own shares, and compare it with what you really spend.
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How to use 50/30/20 Budget Calculator
Enter your monthly income after tax and choose a rule. Optionally list your spending and mark each line as a need, a want or savings to see the gaps.
How it works
Targets are the income multiplied by each share. Spending is grouped by the type you choose and compared with the targets; savings include extra debt repayment.
Example
With 3,200 a month after tax, the targets are 1,600 for needs, 960 for wants and 640 for savings; spending 1,650 on needs is 50 over target.
Questions about 50/30/20 Budget Calculator
Is 50/30/20 Budget Calculator free, and do I need an account?
Yes. This tool is free to use in your browser without an account. Processing takes place on your device.
What are the limits and what should I check?
Up to 60 spending lines. A guideline, not financial advice. Everything is calculated in your browser; nothing you type is uploaded. Review the result before using it in your work.
Is my input sent to a server?
Your input is processed in your browser and is not uploaded by this tool. Files and pasted text are cleared when the page is refreshed. Normal website requests are still required to load the page and its libraries. Read the privacy explanation.