🌿 Free tool

50/30/20 Budget Calculator

Enter your take-home pay and see exactly how much goes to needs, wants and savings — per month and per paycheck. A calm starting point, no spreadsheet required. 🌿

Monthly take-home pay

After taxes — what actually hits your account.

Choose your split

Enter your take-home pay to see your budget. 🌿

Budget calculators by category

Working out a specific budget? Pick a category for a tailored calculator.

⛽

Gas Budget

Work out your real monthly fuel cost in seconds.

🛒

Grocery Budget

See a healthy grocery budget for your income.

🏙️

Rent Budget

How much rent can you comfortably afford?

🚙

Car Budget

How much should you spend on a car each month?

💍

Wedding Budget

Split your wedding budget across every category — instantly.

🔨

Home Renovation Budget

Plan your renovation budget — including the buffer people forget.

👶

Baby Budget

Estimate your baby's first-year costs, category by category.

🎁

Holiday Budget

Plan holiday spending before December blindsides you.

Want it to track itself?

The Ultimate Finance Dashboard budgets every month — automatically.

A calm Google Sheet with budget categories, spending trends and net worth, all auto-totaled. From $24.

Get the dashboard → Read: aesthetic budgeting

Questions

Good to know

What is the 50/30/20 rule?

A simple budgeting framework: 50% of your take-home pay goes to needs (rent, groceries, bills), 30% to wants (eating out, fun, subscriptions), and 20% to savings and extra debt payments.

Should I use take-home or gross pay?

Use your take-home pay — the amount that actually lands in your account after taxes. That's the money you can actually budget.

What if 50/30/20 doesn't fit my life?

It's a starting point, not a rule. High rent? Try 60/20/20. Paying off debt hard? Try 50/20/30. Pick the split that fits your season — this tool shows all three.