← All calculators
50/30/20 Budget Planner
A simple starting point: split your take-home income into needs, wants, and savings.
Needs · 50%
Rent, groceries, bills, transport
125,000.00
Wants · 30%
Eating out, hobbies, subscriptions
75,000.00
Savings & debt · 20%
Emergency fund, investing, extra payments
50,000.00
The 50/30/20 split is a starting guideline, not a rule — adjust the ratios to fit your own costs of living. This tool doesn't store anything; it only runs in your browser.
Want this tracked automatically?
Spencio does this for every transaction, every month, without the manual math.