50/30/20 Rule Calculator
Use the proven 50/30/20 budgeting rule to divide your income clearly between essentials, lifestyle, and savings — without stress or spreadsheets.
✔ No tracking or emails
✔ Automatically saved on your device
✔ Professional budgeting guidance
👋 Welcome Back!
Your 50/30/20 budgeting plan has been loaded.
💰 Income Overview
Enter your monthly income to see your personalized 50/30/20 breakdown instantly.
Your monthly take-home pay after taxes
📊 Budget Allocation
Your income is perfectly allocated according to the 50/30/20 rule.
📋 Your Personalized Budget Guide
💡 Smart Strategy
✨ Pro Tip: Treat savings as a non-negotiable bill that gets paid first every month!
📚 Budgeting Tips
How the 50/30/20 Rule Works
Allocate 50% of your income to needs, 30% to wants, and 20% to savings. This calculator shows you exact amounts and helps you stay balanced every month.
Why This Calculator Works for Smart Budgeting
Clear allocation: See exactly how much you should spend on essentials vs. lifestyle vs. future goals.
No guesswork: Get precise numbers based on your actual income, not rough estimates.
Progress tracking: Monitor your budgeting consistency with visual progress indicators.
Personalized guidance: Receive tailored advice based on your income level and savings rate.
Building Financial Health with Simple Rules
The 50/30/20 rule simplifies budgeting by creating clear boundaries for your spending. This calculator helps you:
1. Avoid overspending on wants by knowing your exact discretionary budget.
2. Prioritize savings consistently by treating them as a fixed expense.
3. Reduce financial stress with a clear, manageable framework for money management.
4. Build wealth gradually through consistent 20% savings month after month.