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    Budget Calculator

    Calculate a 50/30/20 monthly budget with this free online budget calculator. Split take-home pay into needs, wants and savings, or set your own percentages.

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    How to use Budget Calculator

    1. 1Pick the 50/30/20 rule, another preset or custom percentages
    2. 2Enter your take-home income and how often you are paid
    3. 3Read the monthly and yearly amounts for needs, wants and savings, and add your spending to compare

    Frequently asked questions

    What is the 50/30/20 budget rule?▾

    It splits take-home pay into 50% for needs such as rent and groceries, 30% for wants such as dining out and hobbies, and 20% for savings and extra debt payments.

    How much should I budget on a 4,000 monthly income?▾

    With the 50/30/20 rule, 4,000 of take-home pay gives 2,000 for needs, 1,200 for wants and 800 for savings each month, or 9,600 saved per year.

    Should I use gross or net income for a budget?▾

    Use net income, your take-home pay after taxes and payroll deductions, because that is the money you can actually spend and save each month.

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