50/30/20 budget split
Type your monthly take-home pay to see a 50/30/20 split, and change the shares to fit your costs. Free, no sign-up.
Needs
$1,500
Housing, utilities, groceries, transport, insurance, minimum debt payments
Wants
$900
Eating out, subscriptions, hobbies, trips, shopping
Savings and debt
$600
Emergency fund, retirement, extra debt payments
The 50/30/20 rule is a teaching rule of thumb, not a tested finding, and not everyone can follow it: where rent or debt payments are high, needs can take more than half. Treat the split as a starting point and change the shares to fit your costs. General information only, not financial advice.