Part of the topic: 🐷 Saving, loans & retirement
50-30-20 budget calculator
Enter your monthly net income and your typical expenses. The calculator shows the 50-30-20 targets next to your actual spending – a simple household budget without sign-up.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter your monthly net income.
- Adjust the expense fields to your real monthly costs.
- Compare targets and actual values – red means above the 50/30 target or below the 20 % savings target.
Last checked: October 2026 · Based on: 50-30-20 rule (E. Warren, A. Warren Tyagi: All Your Worth, 2005). Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
What is the 50-30-20 rule?
A simple budget rule: about 50 % of net income for needs (rent, food, insurance), 30 % for wants and 20 % for saving or paying off debt.
What if my rent alone is more than 50 %?
Then the rule is a starting point: reduce wants first and keep saving something regularly, even if it is less than 20 %.
Does the calculator store my data?
No. Everything is calculated in your browser; you can share or save the result via the share bar.