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50/30/20 Budget

Split income into needs, wants and savings.

How to use

  1. Enter your net monthly income after taxes and mandatory deductions.
  2. See the recommended split: 50% for needs, 30% for wants and 20% for savings and debt repayment.
  3. Adjust the percentages if your situation requires a different balance and see the updated amounts.

About this tool

The 50/30/20 rule is a simple budgeting framework popularised by Senator Elizabeth Warren. It divides take-home pay into three buckets: essential needs (rent, food, transport), discretionary wants (dining out, entertainment) and financial goals (savings, investments, extra debt payments).

The tool calculates the exact amounts for each category based on your income. It is a starting point — in high-cost cities, needs may take more than 50%, and the rule adapts by squeezing wants first.

If your current spending does not fit the 50/30/20 split, focus on the 20% savings target first. Automating a transfer on payday makes it easier to stay on track.

The formula

Needs = 50% × Net Income. Wants = 30% × Net Income. Savings = 20% × Net Income. Originally proposed by Elizabeth Warren.

Frequently asked questions

Does my data leave my browser?

No. Everything runs locally in JavaScript on your device — nothing is transmitted or stored.

Is this financial advice?

No. This is an educational tool for estimates only. Real financial decisions depend on fees, taxes and personal circumstances — consult a qualified professional.

Which official tables does the tool use?

The tool uses the latest publicly available rates and tables. You can verify the values against the official sources linked on the page.

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