Monthly Budget Calculator (50/30/20)

Yes — all computation happens in your browser. We don't store the values you enter.

50% needs, 30% wants, 20% savings & debt — a simple budgeting starting point.

Income is what you earn; net worth is what you own minus what you owe. Build net worth by keeping the gap between income and spending positive.

The portfolio size at which 4%/yr withdrawals indefinitely cover your annual expenses — i.e., 25× expenses.

Not always. Net of cost of living, taxes, commute, and benefits, the smaller salary sometimes wins.