TL;DR: Simplify Your Budget in Minutes
No spreadsheets, no guesswork — just balance. The 50/30/20 rule helps you divide income into 50% needs, 30% wants, and 20% savings or debt payoff. Adjust the sliders to instantly see how your money should flow based on your pay cycle.
- Visual breakdown: Watch your needs, wants, and savings update live.
- Flexible inputs: Choose monthly, weekly, biweekly, or yearly income.
- Action-ready: Copy results, download CSV, or print a clean summary.
Want to make budgeting automatic? Try Monarch Money (affiliate link).
The 50/30/20 Budget Calculator helps you see exactly how much of your income should go toward needs, wants, and savings. If you'd like a budgeting app that automates this process for you, our Monarch Money review breaks down how the tool helps you stay consistent month after month.
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.
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