Enter monthly take-home pay, housing and optional other essential costs. Compare the percentage splits with your costs.
Housing and other essentials are compared with the needs share. An entered 0 is a real zero; a blank field uses the 35% assumption. Neither result guarantees affordability.
These splits are comparison scenarios. A larger needs share changes the money left for wants and saving.
Enter monthly take-home pay, housing and optional other essential costs. Compare the percentage splits with your costs.
Food, transport, utilities, insurance and minimum debt payments. Exclude housing already entered. Blank uses an assumption; 0 means no other essentials.
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Download on theApp Store50/30/20 budget calculator
Enter monthly take-home pay, housing and optional other essential costs. Compare the percentage splits with your costs.
Adjust the inputs to explore different scenarios.
After tax and after anything taken straight off your paycheck. Not your salary.
Include anything you cannot cancel, so service charges and mandatory insurance too.
Food, transport, utilities, insurance and minimum debt payments. Exclude housing already entered. Blank uses an assumption; 0 means no other essentials.
See what your numbers mean, then compare your options.
Your monthly budget
50/30/20: Assumed shortfall: €200
Blank field: other essentials are assumed to be 35% of each needs bucket. Your actual costs may be higher or lower.
| Split | Needs | Wants | Saving | Needs check |
|---|---|---|---|---|
| 50/30/20 | €2,000 | €1,200 | €800 | Assumed shortfall: €200 |
| 60/20/20 | €2,400 | €800 | €800 | Fits the assumption |
| 70/20/10 | €2,800 | €800 | €400 | Fits the assumption |
These splits are comparison scenarios. A larger needs share changes the money left for wants and saving.
The saving bucket is where the rest of this site starts. How long €800 a month takes to reach a goal, what it clears in debt, or whether it gets you to retirement.
Housing and other essentials are compared with the needs share. An entered 0 is a real zero; a blank field uses the 35% assumption. Neither result guarantees affordability.
Your numbers never leave your browser.