Enter your monthly take-home pay. We'll split it into the classic 50/30/20 framework — needs · wants · savings & debt — then compare it against what you actually spend.
A simple budgeting framework popularized by Senator Elizabeth Warren: 50% of after-tax income to needs, 30% to wants, 20% to savings and debt payments beyond minimums.
Things you genuinely can't avoid: housing, utilities, groceries, transport, minimum debt payments, insurance. Everything optional — dining out, streaming, travel — is a "want".
It's a target, not a law. If needs run high, cut wants temporarily and keep the 20% savings floor — or adjust the split to 60/20/20. The tool shows you the gap so you can decide consciously.
Yes. Everything runs in your browser — your numbers never leave your device.
This tool provides general financial education, not financial advice. Budgeting rules are starting points — adjust to your situation. Consult a qualified professional for personalized guidance.