50/30/20 Budget Calculator
Enter your monthly take-home pay to see a 50/30/20 split, or drag the sliders to build your own custom percentages.
Your income & split
Total: 100%
Your monthly split
Needs$0
Wants$0
Savings / debt payoff$0
Needs
Wants
Savings
How this is calculated
We multiply your monthly take-home pay by each slider's percentage. The sliders don't have to add up to exactly 100% while you're experimenting, but the amounts shown always reflect your current settings — watch the total indicator to keep your plan balanced.
Beyond 50/30/20
The 50/30/20 split is a starting point, not a law. If your area has a high cost of living, your "needs" percentage may run higher — that's when a framework like the four-tier budget can help you prioritize what matters most within a tighter plan.