Needs $2,020Wants $510Savings & debt $650

$820 unbudgeted

Take-home pay

USD

Needs

Rent, utilities, groceries, transport, insurance, minimum debt

$2,020of $2,000

$20 over target

USD

Wants

Dining, entertainment, shopping, subscriptions, travel

$510of $1,200

$690 to spare

USD

Savings & debt

Emergency fund, investments, extra debt paydown

$650of $800

$150 to spare

USD

Where the money goes

Income

$4,000

Needs51% of income$2,020

Wants13% of income$510

Savings & debt16% of income$650

Unbudgeted21% of income$820

50/30/20 is a starting guideline, not a rule — high rent or a debt-payoff push will skew the split, and that's fine. Use take-home (after-tax) pay for the cleanest picture. Your budget is saved only in this browser; clearing site data removes it.

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About Budget Calculator

Build a 50/30/20 budget you can actually fill in. Enter your take-home pay (weekly, fortnightly, monthly or annual) and the tool sets Needs / Wants / Savings targets, then add your real line items under each bucket to see actual versus target, what is left unbudgeted, and a donut of where the money goes. The split is editable for debt-payoff or high-cost-of-living plans, currency follows your locale, and the budget is saved in your browser.

Everything happens on your device. Close the tab and it's gone.