Monthly budget calculator
$
After tax — what lands in your account.
Left over each month
$200.00
$2,400 over a year · 4.4% of take-home pay with no line of its own.
- Needs
- $2,950 · 66%
- Wants
- $800 · 18%
- Savings and debt
- $550 · 12%
- Total out
- $4,300
Where the month goes
- Needs 66%
- Wants 18%
- Savings and debt 12%
Beside the 50/30/20 rule
| Bucket | Yours | Rule | Gap |
|---|---|---|---|
| Needs 50% | $2,950 | $2,250 | +$700 |
| Wants 30% | $800 | $1,350 | −$550 |
| Savings and debt 20% | $550 | $900 | −$350 |
This adds up the figures you type; it knows nothing else about you. Use take-home pay, not salary — the take-home pay calculator estimates it. Which bucket a bill belongs in is your call. 50/30/20 is a rule of thumb from a 2005 book, not a target we set: it does not know your rent, your city or your debts. Costs that do not come monthly — annual insurance, repairs, gifts — are only counted if you add a monthly share of them. Not financial advice.