Monthly Budget Calculator (50/30/20)
See whether your spending fits the 50/30/20 budget rule.
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Inputs
$
$
$
$
$
$
$
$
Monthly surplus
$1,150.00
Total spent: $5,350.00
Needs %
47%
target ≤50%
Wants %
17%
target ≤30%
Savings %
18%
target ≥20%
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How it works
Needs = housing + transport + food. Wants = entertainment + other. Savings = investing + debt payoff. Compare each share to the 50/30/20 target.
Frequently asked questions
Are these calculators private?
Yes — all computation happens in your browser. We don't store the values you enter.
What's the 50/30/20 budget?
50% needs, 30% wants, 20% savings & debt — a simple budgeting starting point.
How is net worth different from income?
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.
What's a FI number?
The portfolio size at which 4%/yr withdrawals indefinitely cover your annual expenses — i.e., 25× expenses.
Should I always take the higher-salary job?
Not always. Net of cost of living, taxes, commute, and benefits, the smaller salary sometimes wins.
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