Budget Planner (50/30/20 Rule)
Enter your monthly income after tax and the calculator splits it into needs, wants and savings. Use the 50/30/20 rule or change the shares to fit your life, then check your real spending against the plan. It works in many currencies and runs in your browser.
Runs in your browser. Your files never leave your device.
Rent, food, bills, transport, loan payments.
Eating out, shopping, subscriptions, trips.
Emergency fund, investments, debt paid early.
How it works
- 01Enter your monthly income after tax and pick a currency.
- 02Keep 50/30/20 or set your own shares.
- 03Check your real spending against the plan.
Tips and common mistakes
Use income after tax
Enter what reaches your bank account each month, so the plan matches the money you can actually spend.
Adjust the shares to your life
If rent is high, lower the wants share and keep saving something. A plan you can follow beats a perfect one you drop.
Guides for this tool
Questions
What is the 50/30/20 rule?
Spend 50% of your after-tax income on needs, 30% on wants and put 20% into savings or paying off debt.
What if my needs cost more than 50%?
That is common in expensive cities. Lower the wants share first and keep saving something each month, even if it is less than 20%.
Is my data saved anywhere?
No. Everything runs in your browser and nothing is uploaded.
Is my file uploaded to a server?
No. Everything happens inside your browser on your own device. Your files are never sent to us or anyone else.
Is it free?
Yes. It is free to use, with no signup, no watermark and no daily limit.