📐 Rule‑based & methods

5 powerful savings frameworks. Click any calculator to open its dedicated page. All work offline, no signup, just simple math in your browser.

⭐ popular budgeting rules · behavioral methods · 100% private · blogger‑ready

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📊 50/30/20 rule

Needs (50%), wants (30%), savings (20%). Instantly see your ideal allocation based on after‑tax income.

needs · wants · savings

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⚖️ 60/30/10 rule

Fixed costs (60%), discretionary (30%), savings (10%). A stricter framework for essential expenses.

fixed · flexible · buffer

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💰 Pay yourself first

Decide savings percentage before expenses. See how much to set aside automatically each month.

automate · priority · wealth

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20

🔄 Reverse budget

Start with savings goal, then build expenses around it. Perfect for aggressive savers.

goal‑first · aggressive · intentional

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📈 Incremental savings

Increase monthly savings by a fixed amount or percentage. See the compounding effect over time.

ramp up · progressive · growth

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