Budget Calculator: Split Your Paycheck With 50/30/20

Split your take-home pay into needs, wants and savings using the 50/30/20 rule or your own percentages, and compare it with what you really spend.

Needs–
Wants–
Savings & debt–
Saved per year–
Compare with my actual spending

Make it automatic

Set up an automatic transfer for your savings share on payday, and the rest of your budget takes care of itself. Learn more in our 50/30/20 budget rule guide.

Frequently Asked Questions

What is the 50/30/20 rule?

A simple budgeting framework: 50% of after-tax income for needs, 30% for wants and 20% for savings and extra debt payments.

Can I change the percentages?

Yes. High-cost areas may need 60/20/20, while aggressive savers might use 50/20/30 or more.

This content is for general information only and is not investment advice. Consider your own situation and consult a licensed professional before making financial decisions.