Free Tool
Free 50/30/20 Budget Calculator — Needs, Wants, Savings
Enter your monthly after-tax income to see how much to allocate toward needs (50%), wants (30%), and savings/debt (20%) using the popular budgeting framework.
Tool workspace
Run the tool below, then copy or reuse the cleaned output in your spreadsheet or finance workflow.
- The 50/30/20 rule divides after-tax income into needs, wants, and savings.
- Needs include rent, food, utilities, and minimum debt payments.
- Adjust the framework to fit your personal situation.
Output
Needs (50%): $25,000.00
Wants (30%): $15,000.00
Savings & debt (20%): $10,000.00
Input stays in your browser. No upload is required for these free tools.