Free planning tool

Budget Split Calculator

Enter your monthly take-home income to explore a 50/30/20-style starting point: 50% for needs, 30% for wants, and 20% for savings or extra debt repayment.

Calculate a monthly starting point

Use income after taxes and payroll deductions. The calculation happens only in your browser and is not saved.

This is a planning framework, not a rule. Housing, caregiving, debt, health needs, local costs, and variable income can make a different allocation more appropriate. For help building a budget tailored to your situation, see the Consumer.gov budgeting guide or speak with a qualified professional.

Continue learning

Read our guide to the 50/30/20 approach, including its limitations and ways to adapt it when your essential costs are higher.

Read the 50/30/20 budgeting guide