Monthly Budget Planner
Plan your monthly budget using the 50/30/20 rule for needs, wants, and savings.
$
Needs
50% target · $2,500$2,650
53% of income
53% of income used · target at 50%
$
$
$
$
$
$
Wants
30% target · $1,500$500
10% of income
10% of income used · target at 30%
$
$
$
$
Savings
20% target · $1,000$700
14% of income
14% of income used · target at 20%
$
$
$
Budget Breakdown
Needs
Wants
Savings
Unallocated
Summary
Needs
$2,650(53%)
Wants
$500(10%)
Savings
$700(14%)
Total allocated$3,850
Surplus+$1,150
23% of income unallocated
About the Monthly Budget Planner
The 50/30/20 rule divides your after-tax income into three buckets: 50% for needs (housing, groceries, utilities, transport, insurance), 30% for wants (dining out, entertainment, subscriptions), and 20% for savings and debt repayment. Add or remove line items in each section, edit the amounts inline, and the progress bars and pie chart update instantly. The coloured bars show how much of your income each category uses versus its target — red text flags categories that have exceeded the guideline. All calculations run locally in your browser.
Private & free — this tool runs entirely in your browser.
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