Budget 50/30/20 Calculator

Split income into needs, wants and savings.

Monthly income

Needs

Wants

Savings

Needs · 50%Target: 1,500 · Actual: 1,400

Diff: +100

Wants · 30%Target: 900 · Actual: 800

Diff: +100

Savings · 20%Target: 600 · Actual: 500

Diff: +100

175 available

Annuity and differentiated monthly installments, interest breakdown, and amortization schedule.

Calculate PITI (Principal, Interest, Taxes, Insurance), PMI, and accelerated payoff savings.

Visualize compound growth with recurring deposits, annual rate, and investment horizons.

Add or extract Value Added Tax (VAT) with international country presets.

Analyze profitability and percentage return on business capital and investments.

Gross to net salary with income tax, social contributions and deductions, monthly and annual.

About this calculator

Split monthly income by the 50/30/20 rule into needs, wants and savings, with targets, actuals and diffs.

What is 50/30/20?

50% needs, 30% wants, 20% savings — a simple allocation guideline.

Over budget?

Red diffs show overspent buckets; move money from wants first.

Irregular income?

Use your average month; re-run when pay changes.