50/30/20 calculator
Split your take-home pay into needs, wants, and saving using the 50/30/20 guideline.
Needs (50%)$2,500
Wants (30%)$1,500
Saving & extra debt (20%)$1,000
Runs in your browser. Nothing you type is saved or sent anywhere.
How it works
The 50/30/20 guideline splits take-home pay into 50% needs, 30% wants, and 20% saving and extra debt payments.
It's a starting point — adjust to your real costs.
Want your real numbers?
MonthlyIQ connects your accounts and works this out automatically every month — without spreadsheets. Read the budgeting guides.
See your own numbers
Connect your accounts and MonthlyIQ explains your month — what's due, what changed, and what's left.
General information only, not financial advice.