50/30/20 Budget Calculator

Enter monthly take-home pay and your current spending. The calculator shows the classic 50% needs, 30% wants, and 20% savings/debt-payoff targets, then compares them with your real numbers.

Currency

Monthly take-home pay

Current needs spending

Current wants spending

Current savings / extra debt payoff

Primary goal

Needs target (50%)$2,000

Wants target (30%)$1,200

Savings/debt target (20%)$800

Your total entered$3,600

Unassigned cash$400

Monthly adjustment+$200

Target split

Blue = needs, green = wants, gold = savings or extra debt payoff.

Your numbers will appear here.

Educational estimate only. This tool does not replace personalized financial, tax, legal, or investment advice.