50/30/20 Budget Calculator

50/30/20 Budget Calculator: This is a budgeting heuristic. Adjust allocations to your actual expenses and obligations.

Your Numbers

Monthly take-home income ($)

Results

Needs budget ($)—

Wants budget ($)—

Savings and extra debt budget ($)—

Input check—

Results update live as you type. Estimates only — not financial, tax, or investment advice.

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The Formula

Needs = income × 50%; wants = income × 30%; savings/debt = income × 20%

Understanding the 50/30/20 Budget Calculator

$4,000 take-home income splits into $2,000 needs, $1,200 wants and $800 savings or extra debt repayment.

This is a budgeting heuristic. Adjust allocations to your actual expenses and obligations.

Frequently Asked Questions

How is this calculated?

Needs = income × 50%; wants = income × 30%; savings/debt = income × 20%

What assumptions apply?

This is a budgeting heuristic. Adjust allocations to your actual expenses and obligations.