Budget Calculator

Where does your money actually go? Track income, expenses, and find hidden savings opportunities.

Monthly Income

Net Income ($)

Expenses

Housing

Food

Transport

Utilities

Entertainment

Savings

Other

Total Expenses$0.00

Remaining$0.00

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Expense Breakdown

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How this 50/30/20 Budget Calculator works

This calculator takes your after-tax monthly income and breaks it down according to the popular 50/30/20 rule: 50% for Needs (housing, food), 30% for Wants (entertainment, hobbies), and 20% for Savings & Debt Repayment.

Why this matters for your wealth

A budget is the foundation of wealth. The 50/30/20 rule offers a simple framework that ensures you are covering your bases and saving for the future while still enjoying life today. It prevents lifestyle creep from eating up your raises.

Frequently Asked Questions

What if my needs exceed 50%?
This is common in high-cost-of-living areas. You may need to reduce 'wants' or look for major structural changes like moving to a cheaper apartment or increasing your income.