50/30/20 Budget Calculator
Classic rule-of-thumb meets clean PersonalOne styling. Enter your income, tweak the percentages, and get instant targets for Needs, Wants, and Savings/Debt.
1) Income
Normalized Monthly
$4,000.00
Normalized Yearly
$48,000.00
Per-Week (est.)
$923.08
2) 50/30/20 Split
Needs
Wants
Savings/Debt
Savings/Debt % auto-adjusts to total 100%. Current: 20%
3) Results (Monthly)
Needs
$2,000.00
Wants
$1,200.00
Savings/Debt
$800.00
Tip: Keep housing, utilities, groceries, transport in Needs; dining out, streaming, shopping in Wants; emergency fund, investing, and extra debt payments in Savings/Debt.
Optional: Track it all with Monarch Money (affiliate link)


