Budget Planner

Enter your monthly take-home pay, then split it across needs, wants, and savings to see how your plan compares to the 50/30/20 guideline.

FinanceClif Tools / Budget Planner

Budget Planner

Enter your monthly take-home pay, then split it across needs, wants, and savings to see how your plan compares to the 50/30/20 guideline.

Your income

$

Your monthly spending

Needs

Rent, groceries, utilities, minimum debt payments, insurance

Wants

Dining out, entertainment, subscriptions, shopping

Savings & extra debt payoff

Retirement, emergency fund, investing, extra debt payments

The 50/30/20 split is a starting guideline, not a rule — high cost-of-living areas or aggressive debt payoff often shift these numbers. For educational purposes only — not financial advice.