50-30-20 Rule Calculator
Split your monthly take-home pay into the 50-30-20 budget: needs, wants, and savings.
Inputs
$
take-home (after tax) monthly income
Results
Needs
$2,500.00
50% — rent, groceries, utilities, minimum debt
Wants
$1,500.00
30% — dining out, hobbies, subscriptions
Savings & debt
$1,000.00
20% — emergency fund, investments, extra debt
About this tool
Enter your after-tax monthly income to get exact amounts for each bucket of the 50-30-20 rule: 50% needs, 30% wants, 20% savings and extra debt.
How to use
- 1Enter your take-home monthly income (after tax).
- 2Read the needs (50%) and wants (30%) amounts.
- 3Use the highlighted savings figure (20%) as your target for the emergency fund, investments, and extra debt payments.
Frequently asked questions
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