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📊 Budget Calculator

See where your monthly take-home pay actually goes, benchmarked against 50/30/20 or your own targets.

Quick answer: the 50/30/20 guideline suggests 50% of take-home to needs, 30% to wants, 20% to savings/debt. On $4,200/month that's about $2,100 needs, $1,260 wants, $840 savings. Enter your real numbers below to see where you actually stand.

Monthly take-home income ($)

Budget method

Needs — $2,200 + Edit

Rent / mortgage ($)

Utilities ($)

Groceries ($)

Transportation ($)

Insurance ($)

Other necessities ($)

Wants — $900 + Edit

Dining out ($)

Entertainment ($)

Shopping ($)

Subscriptions ($)

Other wants ($)

Savings & debt — $700 + Edit

Savings ($)

401(k) / retirement ($)

Debt payments ($)

Current emergency savings ($)

Optional — used to show progress toward your emergency fund target.

Your budgetMonthly

Enter your numbers to see where your income goes and how it compares to your target.