Does my spending fit 50/30/20?

Type your monthly take-home pay and what you really spend. See your split next to the rule and where the money to fix it can come from. Your numbers stay on this device.

Take-home pay per month

What you spend per month

Your split

0%50%80%100%

Run the whole budget in one file

The Budget Dashboard 2027 (Excel and Google Sheets) sorts your bank export into needs, wants, savings and debt, then runs this 50/30/20 check for any month you pick, with budget vs actual and charts.

See the Budget Dashboard

What counts as what

Needs: what you must pay to live and work: rent or mortgage, utilities, groceries, insurance, car and transport, minimum debt payments. Wants: eating out, shopping, subscriptions, trips, hobbies. Savings: emergency fund, retirement, extra debt payments above the minimum, investing. Use take-home pay (after tax). The rule is a starting point; in a high-rent city 60/20/20 is common and still healthy if savings hold.