Personal budgeting calculator based on the 50/30/20 framework. Allocates net monthly take-home income across essential needs, personal wants, and future savings with weekly and daily spending allowances.
Runs entirely in your browser
The 50/30/20 rule is a simple, popular framework for managing money: allocate 50% of your take-home pay to needs, 30% to wants, and 20% to savings and debt repayment. This calculator applies that split to your monthly income and breaks the amounts down further into weekly and daily spending allowances.
The value of a rule like this is that it turns budgeting from a vague intention into concrete numbers — you see exactly how much you can spend on wants this week while still saving enough. The needs/wants/savings structure also makes it obvious when one category is crowding out another.
It runs in your browser, so your figures stay private. The 50/30/20 split is a starting guideline, not a law; adjust the proportions to fit your circumstances, especially where essential costs are high.
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