Free tool
50/30/20 budget calculator
The 50/30/20 rule is the easiest budget to remember: 50% of your take-home pay to needs, 30% to wants, 20% to savings and debt. Pop your monthly income in below and see your split instantly — nothing to sign up for.
The amount that actually lands in your account after tax — not your gross salary.
Rent, bills, groceries, transport, minimum debt payments — the essentials that keep life running.
Eating out, hobbies, subscriptions, treats. Fun is planned for, not banned.
Building an emergency fund, saving for goals, or paying down debt faster than the minimum.
This is a starting point, not a rule. If your rent alone is more than half your pay (very common), shrink the wants slice and keep saving something — even a little counts.
How to use your split
The numbers above are targets, not handcuffs. Use them to sanity-check where your money goes: if your needs already eat far more than half, that's useful to know — it means the pressure is on fixed costs, not your coffee habit.
Want the full picture with a worked example? Read the 50/30/20 rule explained.
Now make it real
A split on paper is a great start. BudgetPro turns it into a living budget you can actually track — no bank login, no jargon, free to start.
Start budgeting free