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50/30/20 Budget Calculator

A simple starting point: split your monthly take-home pay into needs, wants, and savings/debt. Educational only — not financial advice.

Monthly take-home pay ($)

Enter your monthly take-home pay to see your split.

What each part means

50% Needs — rent, food, utilities, minimum debt payments. 30% Wants — dining out, subscriptions, fun. 20% Savings/Debt — emergency fund, extra debt payoff, goals.

This is a guideline, not a rule — adjust the shares to fit your real life.

🎁 Free Mini Budget Planner — take one home

The calculator above works right here in your browser. The Mini Budget Planner is different — it is a file you download and keep: works offline in any browser, English & Spanish, and your numbers never leave your device. A real sample of the Paycheck Method tools.

Get it free →