📈 Budget Tool

Monthly Budget
Planner

50/30/20 allocation with surplus/deficit verdict, per-category spending bars and personalised adjustment tips.

Your Monthly Income

Net Monthly Income (after tax) $5,000

$1K$30K

Other Monthly Income (side hustle, rental)

🏠 Needs (50% target)

🎉 Wants (30% target)

💰 Savings & Debt (20% target)

Budget Summary

Monthly Surplus / Deficit

Income minus all expenses

Total Income

Total Spending

Savings & Debt

Savings Rate

50 / 30 / 20 Analysis

Needs

Target: 50%

—

Wants

Target: 30%

—

Savings

Target: 20%

—

Needs

Wants

Savings & Debt

📈

Budget Assessment

Calculating...

💡

The 50/30/20 Rule: 50% on needs (housing, food, utilities, transport, minimum debt payments). 30% on wants (dining out, entertainment, subscriptions, shopping). 20% on savings and extra debt payments. If housing alone exceeds 30% of income, you may need to adjust other categories.

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Monthly BudgetPlanner

Budget Assessment

Build a Budget That Works for Your Life

Monthly Budget
Planner